vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
I am filing a formal complaint due to the presence of false personal identifiers, inaccurate late payments, and unverified charge-off data reported by multiple creditors on my credit report. The data being reported includes : Incorrect names such as " XXXX XXXX '' and " XXXXXXXX XXXX XXXX, '' when I have only used the legal name XXXX XXXX XXXX Addresses I have never lived at, including in XXXX, CA, and XXXX, CA Accounts showing late payments ( XXXX, XXXX, XXXX, XXXX  days ) where no proper notice was provided, violating 15 USC 1666b and 1637 ( b ) ( 12 ) Charge-off balances that still show a past due amount, violating IRS charge-off guidance and Metro 2 coding standards I have disputed these items through the credit bureaus, yet they have returned the items as " verified '' without documentation or proof. This is a direct violation of : FCRA 607 ( b ) Maximum possible accuracy FCRA 611 ( a ) ( 5 ) ( A ) Failure to verify or delete within 30 days FCRA 604 ( a ) ( 2 ) False reporting of personal data with no permissible purpose The accounts in question include : XXXX Account reported as charged off with XXXX lates, but the creditor has not shown statement or grace period compliance per 15 USC 1666b NAVY FEDERAL Reported a charge-off, but still lists a past due balance and lates with an unverifiable history NET CREDIT Account shows lates and collections, but was sold ; no updated ownership info or accurate balance is being reported SANTANDER Long history of negative reporting with inconsistent balance data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
Subject : Complaint Regarding TransUnion Data Breach, Delayed Notification, and Inadequate Remediation Description of the Issue : On XX/XX/year>, TransUnion issued a written notice stating that my personal informationincluding full Social Security number and date of birthwas accessed during a cyberattack on a third-party application used by their U.S. consumer support team. I did not receive this notice until XX/XX/year>, nearly two weeks after it was dated. 

The breach involved highly sensitive data that creates permanent identity theft risk. TransUnions letter failed to specify when the breach occurred or when they first became aware of it. The delay in both discovery and notification prevented me from taking timely protective measures and exposed me to unnecessary, long-term risk. 

Additionally, I believe TransUnions use of third-party applications to handle sensitive consumer data is unacceptable. The breach occurred outside their core systems, yet it compromised information that should never be entrusted to external platforms without airtight security and oversight. 

Impact : Exposure of full SSN and DOB creates lifelong vulnerability to identity theft.

Delayed receipt of notice ( 13 days after issue date ) limited my ability to respond quickly. 

Emotional distress and time spent securing accounts and monitoring credit. 

Ongoing concern about future misuse of my identity.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

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

Complaint narrative:
I am formally disputing multiple inaccurate, incomplete, and unverifiable tradelines currently being reported on my TransUnion file. 

Tradeline Defects ( XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) ( same as in prior draft contradictions, masked account numbers, missing DOFD, post-charge off lates, etc. ) Unverified Inquiries The following inquiries appear on my file with no permissible purpose under FCRA 604. I never authorized these pulls, and no open/positive accounts exist to justify them : XXXX XXXX XXXX XXXX XXXX Finger Lakes XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX BANK Account Number : XXXX Reported Late Payments : 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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate 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 2025-09-09 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXXXXXX XXXX who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. XXXX refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Transunions stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is a follow-up to my original complaint ( CFPB Reference Number : XXXX ), which addressed multiple inaccurate and unverifiable items on my Equifax credit report. Despite my previous dispute and direct communication with Equifax, these items were not properly verified, nor were they removed as required under the Fair Credit Reporting Act ( FCRA ). 

Violations : 15 U.S. Code 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of reported information.

15 U.S. Code 1681i ( 5 ) ( A ) : If information is inaccurate, incomplete, or can not be verified during reinvestigation, it must be promptly deleted or corrected.

Action Taken : I submitted a formal dispute with supporting documentation and contacted Equifax directly. However, they responded without providing any actual documentation or contracts verifying the items. Instead, they stated that the items had been updated or verified, without presenting evidence as required by law. 

Under FCRA 611 ( a ) ( 7 ), I am now demanding a Method of Verification ( MOV ) for the following tradelines that remain on my report : XXXX 6 lates, no ledger or payment history produced. 
XXXX XXXX XXXX No chain of title or contract to verify account ownership. 
XXXX 21 months of negative reporting with conflicting balance status. 
XXXX XXXX Appears to duplicate the XXXX tradeline. 
XXXX XXXX Charge-off with {$0.00} balance ; status is misleading. 
XXXX XXXX SERVICES ( 2 accounts ) Still shows derogatory marks despite being settled. 
XXXX, XXXX No signed contract or application has been presented. 

I am requesting the following, per FCRA 611 ( a ) ( 7 ) and 609 ( a ) ( 1 ) ( A ) : The full description of the investigation method used The name, address, and phone number of the furnisher contacted The date and method of verification Copies of all documentation received or reviewed Equifax is obligated under FCRA 607 ( b ) to ensure maximum possible accuracy and must remove any item that can not be verified under FCRA 611 ( a ) ( 5 ) ( A ). If original documentation is not provided within 30 days, the remaining accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On my credit report, I discovered multiple unauthorized hard inquiries that I did not apply for or authorize. These inquiries are the result of identity theft and are negatively impacting my credit profile. 

The following companies placed inquiries without my permission : XXXX XXXX XXXX XXXX XXXXXX/XX/year>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 XXXXXX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I did not apply for loans, credit cards, or auto financing with these companies. These inquiries were made fraudulently and are directly tied to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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