vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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:
am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) by one or more credit reporting agencies ( CRAs ) and furnishers. Specifically, several accounts that were previously disputed and deleted due to identity theft have been reinserted on my credit reports without providing me the required notice or legal disclosures.

Violations of the FCRA : FCRA 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Requires that when deleted information is reinserted into a credit file, the CRA must provide written notice within 5 business days and identify the furnishers name, address, and phone number.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates that CRAs must block and exclude fraudulent accounts reported via a valid Identity Theft Report from future reports.

FCRA 609 ( a ) ( 1 ) : Gives consumers the right to receive full disclosure of the source of information reinserted on their credit file.

I did not receive any notice of reinsertion, and the fraudulent accounts listed below have reappeared on my credit report, harming my credit profile and violating my rights. 



Reinserted Fraudulent Accounts : XXXX  XXXX XXXX ( x2 entries ) Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX ( XXXX ) XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX XXXX XXXX XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX XXXX ( XXXX XXXX ) XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX Additional Violations : My personal information has been misused and reported inaccurately, including : Addresses : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone Numbers : XXXX, XXXX Employment : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX None of this information is accurate or authorized for reporting. 



Requested Resolution : 1. Immediate and permanent deletion of all fraudulent accounts and misused personal information from all CRAs ( Experian, Equifax, TransUnion ).

2. A written explanation detailing : Which furnishers reinserted the data, Why I was not notified of the reinsertion, And what actions will be taken to ensure compliance.

3. A block on future reappearance of these accounts unless all legal requirements under FCRA 611 ( a ) ( 5 ) ( C ) are met.

4. A formal CFPB investigation into the conduct of CRAs and furnishers involved.

5. I reserve the right to pursue damages under : FCRA 616 ( willful violations ), and FCRA 617 ( negligent noncompliance ). 



Supporting Documentation : FTC Identity Theft Report # XXXX Credit reports and CRA correspondence available upon request.

Thank you for your urgent attention to this matter. 

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 2025-07-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX Account on Credit Report To Whom It XXXX Concern, I am writing to file a formal complaint regarding a tradeline reported by XXXX XXXX XXXX XXXX which appears on my Equifax credit report with an open date of XX/XX/XXXX. 

I have previously attempted to dispute or obtain full verification of this account, but I continue to see it reported on my credit file. I believe that this account is either inaccurate, outdated, or unverifiable, and as such, it is negatively affecting my credit profile. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and to dispute information that is incorrect or unverifiable. 

I respectfully request the CFPBs assistance in investigating this matter. Please have XXXX XXXX XXXX provide full validation of the debt, including : - A full breakdown of the original debt, if any - Documentation proving that I owe this debt - Proof that they have the legal right to report this account on my credit file - Any contracts or agreements with my signature If they can not provide this documentation, I am requesting that the tradeline be permanently removed from all credit bureaus where it is being reported. 

Please consider this a formal request for review. I have attached a copy of the credit report summary showing the tradeline in question for your reference. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IL

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : 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

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IN

Complaint narrative:
This account is incorrectly marked as delinquent. It should not be showing this status, as the information is inaccurate. I am requesting that it be disputed and updated to reflect no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-11 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-07-11 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: WA

Complaint narrative:
We are filing a complaint regarding XXXX XXXX XXXX mishandling of our mortgage during the sale of our home, which resulted in inaccurate and damaging late payments being reported to the credit bureaus. 

We placed our home on the market in XX/XX/year>XXXX  and entered into a seller contract in early XX/XX/year>, with a scheduled closing date of XX/XX/year>. Our real estate agent advised us to contact XXXX to request a forbearance, as the home was vacant and would not close until XXXX. 

When we contacted XXXX, we were verbally told our mortgage was placed into deferment due to the hardship of maintaining the vacant property until it sold. On XX/XX/year>, we received a formal mailed letter stating our deferment was approved. At no time did any letter mention that late payments would still be reported to the credit bureaus. 

The only mention of an informal forbearance and its negative impact appeared in an online notice, which contradicted the mailed letter we received. We did not understand this to mean our credit would be harmed. In XX/XX/year>, we called XXXX, offered to pay the full amount due immediately, and were told by customer service that there is nothing we can do and that paying would not make a difference because the home was already under contract and the deferment was protecting us. 

We had the funds available the entire time and would have paid if we had been properly informed that our credit was at risk. Instead, we relied on inaccurate and misleading guidance from XXXX, both verbally and in writing. 

These late marks have now lowered our credit scores to approximately XXXX and XXXX, and we are struggling to obtain a new mortgage as a result. 

We are requesting : Removal of the two late payments from our credit reports.

A formal letter explaining the situation to share with lenders. 

Confirmation of whether our account was truly in deferment or informal forbearance and why we never received formal mailed notification explaining the negative consequences. 

We have attached the formal letters we received from XXXX showing the deferment approval ( dated XX/XX/year>XXXX  ) and can also provide screenshots of the online notices if needed. 

Thank you for investigating and helping to resolve 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 2025-07-11 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: WA

Complaint narrative:
We are filing a complaint regarding XXXX XXXX XXXX mishandling of our mortgage during the sale of our home, which resulted in inaccurate and damaging late payments being reported to the credit bureaus. 

We placed our home on the market in XX/XX/year>XXXX  and entered into a seller contract in early XX/XX/year>, with a scheduled closing date of XX/XX/year>. Our real estate agent advised us to contact XXXX to request a forbearance, as the home was vacant and would not close until XXXX. 

When we contacted XXXX, we were verbally told our mortgage was placed into deferment due to the hardship of maintaining the vacant property until it sold. On XX/XX/year>, we received a formal mailed letter stating our deferment was approved. At no time did any letter mention that late payments would still be reported to the credit bureaus. 

The only mention of an informal forbearance and its negative impact appeared in an online notice, which contradicted the mailed letter we received. We did not understand this to mean our credit would be harmed. In XX/XX/year>, we called XXXX, offered to pay the full amount due immediately, and were told by customer service that there is nothing we can do and that paying would not make a difference because the home was already under contract and the deferment was protecting us. 

We had the funds available the entire time and would have paid if we had been properly informed that our credit was at risk. Instead, we relied on inaccurate and misleading guidance from XXXX, both verbally and in writing. 

These late marks have now lowered our credit scores to approximately XXXX and XXXX, and we are struggling to obtain a new mortgage as a result. 

We are requesting : Removal of the two late payments from our credit reports. 

A formal letter explaining the situation to share with lenders. 

Confirmation of whether our account was truly in deferment or informal forbearance and why we never received formal mailed notification explaining the negative consequences. 

We have attached the formal letters we received from XXXX showing the deferment approval ( dated XX/XX/year>XXXX  ) and can also provide screenshots of the online notices if needed. 

Thank you for investigating and helping to resolve 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 2025-07-11 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: WA

Complaint narrative:
We are filing a complaint regarding XXXX XXXX XXXX mishandling of our mortgage during the sale of our home, which resulted in inaccurate and damaging late payments being reported to the credit bureaus. 

We placed our home on the market in XX/XX/year>XXXX  and entered into a seller contract in early XX/XX/year>, with a scheduled closing date of XX/XX/year>. Our real estate agent advised us to contact XXXX to request a forbearance, as the home was vacant and would not close until XXXX. 

When we contacted XXXX, we were verbally told our mortgage was placed into deferment due to the hardship of maintaining the vacant property until it sold. On XX/XX/year>, we received a formal mailed letter stating our deferment was approved. At no time did any letter mention that late payments would still be reported to the credit bureaus. 

The only mention of an informal forbearance and its negative impact appeared in an online notice, which contradicted the mailed letter we received. We did not understand this to mean our credit would be harmed. In XX/XX/year>, we called XXXX, offered to pay the full amount due immediately, and were told by customer service that there is nothing we can do and that paying would not make a difference because the home was already under contract and the deferment was protecting us. 

We had the funds available the entire time and would have paid if we had been properly informed that our credit was at risk. Instead, we relied on inaccurate and misleading guidance from XXXX, both verbally and in writing. 

These late marks have now lowered our credit scores to approximately XXXX and XXXX, and we are struggling to obtain a new mortgage as a result. 

We are requesting : Removal of the two late payments from our credit reports.

A formal letter explaining the situation to share with lenders. 

Confirmation of whether our account was truly in deferment or informal forbearance and why we never received formal mailed notification explaining the negative consequences. 

We have attached the formal letters we received from XXXX showing the deferment approval ( dated XX/XX/year>XXXX  ) and can also provide screenshots of the online notices if needed. 

Thank you for investigating and helping to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief