vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: CT

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved, its me personally who is filling this complaint. 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 2025-08-06 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 submitting this complaint because Transunion continues to report XXXX late payments on the following accounts below, despite my request for verification. 

I formally disputed these entries and requested proof per the FCRA, but no supporting documentation was provided. Transunion failed to provide evidence of the alleged delinquency or proper validation from the original creditor. This lack of verification violates FCRA Section 611 and constitutes willful non-compliance. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 filing this complaint against TrasnUnion for its continued reporting of a Bankruptcy XXXX XXXX Reference number XXXX on my credit file, despite the fact that I have never filed for bankruptcy at any point in my life. This is a serious factual error and constitutes a violation of several sections of the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute to TrasnUnion regarding this false information. However, they failed to carry out a proper and lawful reinvestigation. TrasnUnion did not contact the originating source of the bankruptcy claim nor did they provide any documentation substantiating the accuracy of this entry. Their failure to take reasonable steps clearly violates the FCRAs reinvestigation requirements. 

It appears that TrasnUnion relies heavily on automated dispute systems like e-OSCAR rather than conducting a true, manual review of the disputed entry or the original records. Such automated processing does not satisfy the FCRAs requirement for a reasonable reinvestigation. 

Moreover, under FCRA 607 ( b ), TrasnUnion has a legal responsibility to ensure that the information they report is held to the standard of maximum possible accuracy. Continuing to report a bankruptcy that never occurredwithout verification or supporting documentationis a direct breach of that obligation. This false reporting has negatively impacted my credit reputation, caused me emotional stress, and restricted my access to financial resources. 

Additionally, I am aware that in XX/XX/2025, the CFPB imposed a {$15.00} XXXX penalty on TrasnUnion for failing to properly investigate consumer disputes and for breaching FCRA requirements. My case reflects the same pattern of negligence and suggests that these harmful practices are still ongoing. 

I respectfully request the CFPB to take action by : Requiring XXXX to immediately delete the false bankruptcy record from my credit report ; Compelling TrasnUnion to disclose their reinvestigation procedures used in my case ; Ensuring they are held fully accountable for violating federal law and my rights under the FCRA. 

Should these violations remain unresolved, I am prepared to pursue further remedies under FCRA 1681n and 1681o, including claims for damages and attorneys fees. 

I have included my formal dispute letter dated XX/XX/2025, which outlines the full scope of my concerns and demands. I respectfully urge the CFPB to investigate this matter 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 explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate and unauthorized information on my credit report, despite my multiple formal disputes. 

I have disputed two incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX which do not belong to me. I have never lived at, received mail at, or had any association with these addresses. Their continued presence on my credit file is not only misleading but also raises concerns about potential identity theft or file mixing. Equifax has failed to remove these addresses even after previous dispute rounds. 

In addition, there are multiple unauthorized hard inquiries listed on my Equifax credit report that I did not initiate or authorize. These include inquiries from the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I did not apply for credit or services with any of these companies on or near the dates of these inquiries. These inquiries were done without my knowledge or permission and are in violation of FCRA 604 ( a ), which states that a consumer reporting agency may only issue a consumer report when there is a permissible purpose and proper authorization. 

Despite notifying XXXX  of these unauthorized inquiries in previous disputes, they failed to remove them or provide proof of permissible purpose. I believe Equifax is in violation of the Fair Credit Reporting Act ( FCRA ) for continuing to report unverifiable and damaging information, failing to conduct a reasonable reinvestigation, and not ensuring the maximum possible accuracy of my credit file as required under FCRA 607 ( b ) and 611 ( a ). 

This is now my third attempt to have these matters corrected. The inaction by Equifax has caused me financial and emotional distress, and I am requesting the CFPB to assist in compelling XXXX  to : Permanently delete the two inaccurate addresses Remove all unauthorized hard inquiries Provide documentation proving any permissible purpose if they intend to continue reporting any of the disputed items Thank you for your assistance in helping resolve this matter fairly and lawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: WV

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I XXXX XXXX as of XXXX, recently gained knowledge that the following accounts are reporting inaccurately on my consumer profile with Experian. Public documents indicate that these accounts were securitized and sold on secondary financial markets which indicates that the debts are no longer in each respective company 's custody. As a result, in confirmation of ownership of debt for each of the companies listed below, please answer the following questions and provide requested documents. 
XXXX. Show proof of a XXXX of the Minds, a condition required for a valid contract for accounts below.. 
XXXX. Please provide proof of the XXXX Consideration each company provided. 
XXXX. Please provide the XXXX XXXX showing all debits and credits from the initiation of the accounts and include full accounting. Please note, do not XXXX XXXX statements. 
XXXX. Signed contracts by XXXX parties which includes my autograph. 
XXXX. Please provide documentation showing all assignments, transfers and all endorsements showing the legal standing and lawful custody of the instruments relating to the listed accounts. 
XXXX. Please provide proof to illustrate if the accounts are held by a private trust, public liability or otherwise. 
XXXX. Were the original loan instruments used as a collateral under any agreement? 
XXXX. Were the loans Securitized at any time? 
XXXX Who is the holder in due course? 
XXXX. Please provide territorial jurisdiction that proves each company have authority to conduct financial business with an XXXX XXXX. 
The accounts affected are as follows : XXXX  XXXX : XXXX, DATE OPENED XXXX XXXX XXXX : XXXX, DATE OPENED XXXX XXXX Bank : XXXX, DATE OPENED XXXX XXXX XXXX XXXX XXXX : XXXX, DATE OPENED XXXX XXXX XXXX : XXXX, DATE OPENED XXXX XXXX XXXX, DATE OPENED XXXX XXXX XXXX, DATE OPENED XXXX XXXX XXXX, DATE OPENED XXXX XXXX XXXX, DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX, DATE OPENED XXXX XXXX XXXX  XXXX DATE OPENED XXXX XXXX XXXX. XXXX ( b ) states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.These inaccurate reporting accounts by Experian have caused myself and family pain, duress and discrimination. If the requested documents can not be provided, these accounts must be removed from my credit profile immediately. 
Thanks, 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 2025-08-06 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: MI

Complaint narrative:
my Experian credit report under th air Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and 1681 e ( b The accounts in question are reported as follows : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXXXXXX  ( Credit Card ) | XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account # XXXX - Opened XX/XX/XXXX ( Unsecured Loan ) Specific Issues & FCRA Violations : 1. Duplicate/Mixed Reporting - Both accounts are reported with the same number ( ending XXXX ), which may be a duplicate or mixed file. 
2. Incomplete Payment History ( FCRA 1681e ( b ) ) - Both accounts list " ND '' ( No Data ) for many months, which is misleading and does not reflect a complete payment history.

3. Potential Illegal Re-Aging ( FCRA 1681c & 1681s-2 ) - The XXXX account last paid XX/XX/XXXXXXXX  but hows " Status Updated XX/XX/XXXX, '' which could be re-aging to extend negative reporting. Unverifiable Late Payments - Multiple late payments are reported but must be deleted if XXXX XXXX  can not fully verify with proper records. 
Requested Resolution : - Investiqate both accounts under FCRA 1681i.Provide full documentation verifying each reported late payment, including billing statements and account history. 
Correct or delete any unverifiable or inaccurate information Confirm in writing that your corrections have been submitted to XXXX If you can not provide verification within 30 days, you are required under FCRA to request deletion from

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 2025-08-06 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: MD

Complaint narrative:
I am requesting the immediate removal of an inaccurate late payment reported by XXXX XXXX  ( Account # : XXXX ). This is now my third and final dispute, and the bureau has failed to correct or delete this item despite clear evidence of legal violations. 

The account was paid as agreed, and I did not receive any notice of a due date or missed payment before the late mark was added. 

This constitutes a billing error under 15 U.S.C. 1666B and violates several provisions of the FCRA, including : 1681e ( b ) Failure to ensure maximum accuracy 1681s-2 ( a ) ( 1 ) ( A ) Irresponsible furnishing of information without notice 1681i ( a ) Failure to properly reinvestigate the dispute Because the creditor can not provide proof that timely billing notices were sent, the late mark is incomplete and inaccurate and must be permanently removed. 

I am requesting : A full reinvestigation Proof of billing notice from the creditor, or immediate deletion if it can not be produced A corrected credit report Written confirmation of the result within 15 business days Failure to resolve this will result in : Filing with the FTC and State Attorney General Legal action under FCRA 616, which allows for damages and attorney fees This is a final warning and a good-faith attempt to resolve this before escalating further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate personal information regarding past addresses that do not belong to me. I formally disputed this data under the Fair Credit Reporting Act ( FCRA ) and provided all required supporting documents, but the incorrect information remains. 

Specifically, the following addresses are inaccurately associated with my profile : XXXX XXXX XXXX XXXX XXXX CA XXXX & XXXX XXXX XXXX XXXX, XXXX These addresses are not and have never been associated with me. 

I have submitted : A copy of my government-issued ID showing my legal name and DOB A recent utility bill verifying my current and correct address A copy of my Social Security card for identity confirmation My correct personal information is as follows : Full Name : XXXXXXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of Birth : XX/XX/year>XXXX  SSN : XXXX Despite submitting this dispute, the bureau failed to : Conduct a thorough investigation Remove the inaccurate address data Update my file with the correct information Provide any written confirmation of action taken This violates multiple sections of the FCRA, particularly those requiring accurate personal data reporting and a proper dispute resolution process within the required timeframe.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am requesting an investigation into inaccurate and negative information reported on my credit file by Equifax, Experian, and TransUnion. I have reviewed my credit report and identified items that I believe are either outdated, unverifiable, or incorrect. These entries are negatively impacting my credit standing and do not reflect accurate reporting based on my records. 

I have attempted to dispute these items directly with the credit bureaus, but the responses have not resolved the issue. Therefore, I am filing this complaint in hopes that the CFPB will assist in reviewing the matter and ensuring that only accurate and verifiable information remains on 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am requesting an investigation into inaccurate and negative information reported on my credit file by Equifax, Experian, and TransUnion. I have reviewed my credit report and identified items that I believe are either outdated, unverifiable, or incorrect. These entries are negatively impacting my credit standing and do not reflect accurate reporting based on my records. 

I have attempted to dispute these items directly with the credit bureaus, but the responses have not resolved the issue. Therefore, I am filing this complaint in hopes that the CFPB will assist in reviewing the matter and ensuring that only accurate and verifiable information remains on 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My Chime account was compromised and multiple unauthorized transactions were made from both my Chime Checking Account and Chime Credit Builder Card. I did not authorize these charges. I just filed a dispute with Chime, but Im submitting this CFPB complaint to ensure that my case is taken seriously and reviewed under Regulation E. I am still within the 60-day window from my statement date, and I am requesting a full reinvestigation and reimbursement for the fraudulent activity. I can provide supporting documents and a list of charges if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-06 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: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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