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: CA

Complaint narrative:
I am writing to formally request the reinsertion of my XXXX XXXX XXXX XXXX ( XXXX ) credit card account on my TransUnion credit file. This account is actively reporting on XXXX, yet TransUnion has removed it from my consumer report without valid notice or explanation. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ), if TransUnion deletes or suppresses information from a consumers file, you must provide written notice and must reinsert the information if the furnisher verifies its accuracy. Furthermore, FCRA requires consumer reports to be complete and accurate, and removing legitimate, verified tradelines creates an inaccurate and incomplete 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 2025-11-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/2025, and XX/XX/2025. 
The account in questionXXXX XXXXXXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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: NJ

Complaint narrative:
I am filing a complaint against Experian for violating my rights under the Fair Credit Reporting Act, specifically FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block information resulting from identity theft within XXXX business days once it receives a valid Identity Theft Report. 

I submitted an identity theft dispute to Experian regarding accounts that do not belong to me. Experian responded stating they would not remove or block the accounts within XXXX business days and claimed my FTC Identity Theft Report was invalid because they allege it was online generated, despite the fact that the FTC Identity Theft Report form is legally valid when generated and submitted online, per FTC guidance and FCRA regulations. 

To address their claim, I submitted a new FTC Identity Theft Report on XX/XX/year>, providing all information required under FCRA 605B, including my identity documents and a clear statement identifying the fraudulent accounts. Experian still refused to accept the report or block the accounts. 

Experians refusal to block the fraudulent accounts within XXXX business days after receiving a valid Identity Theft Report is a direct violation of FCRA Section 605B. Their continued reporting of these fraudulent accounts is causing ongoing harm to my credit, and their refusal to comply with federal law is unacceptable.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this third-round complaint to formally dispute and demand the immediate removal of multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my Experian, Equifax, and TransUnion credit reports despite my prior dispute, as these errors continue to negatively impact my creditworthiness and cause undue stress and financial harm ; the first issue involves previously closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both reporting a {$0.00} balance yet now inaccurately reflecting negative information on Experian and TransUnion, misrepresenting my payment history and account status, which violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. XXXX ( b ) ; additionally, a collection account from XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00}, continues to be reported across all three bureaus despite being incomplete, inconsistent, and unverifiable, violating FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 605B / 15 U.S.C. 1681c-2 ; furthermore, an unauthorized inquiry from XXXX XX/XX/year> on TransUnion was made without my consent and lacks any permissible purpose under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; these errors collectively misrepresent my true credit history and are harmful

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this third-round complaint to formally dispute and demand the immediate removal of multiple unauthorized, inaccurate, and unverifiable items that continue to appear on my Experian, Equifax, and TransUnion credit reports despite my prior dispute, as these errors continue to negatively impact my creditworthiness and cause undue stress and financial harm ; the first issue involves previously closed accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both reporting a {$0.00} balance yet now inaccurately reflecting negative information on Experian and TransUnion, misrepresenting my payment history and account status, which violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. XXXX ( b ) ; additionally, a collection account from XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$230.00}, continues to be reported across all three bureaus despite being incomplete, inconsistent, and unverifiable, violating FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and 605B / 15 U.S.C. 1681c-2 ; furthermore, an unauthorized inquiry from XXXX XX/XX/year> on TransUnion was made without my consent and lacks any permissible purpose under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; these errors collectively misrepresent my true credit history and are harmful

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is regarding inaccurate and inconsistent reporting on my XXXX XXXX auto loan. The account was paid in full and closed on XX/XX/XXXX, but TransUnion and XXXX  continue to report XXXX late payments that are factually incorrect. XXXX shows NO late payments on this exact same account, which proves the negative data being furnished to the other credit bureaus is inaccurate. 

Here are the issues : XXXX. XXXX reports this account with XXXX late payments, showing the correct information. 
XXXX. TransUnion and XXXX  report different and conflicting XXXX late dates, none of which match each other or my actual payment history. 
XXXX. XXXX  is reporting a Date Reported of XX/XX/XXXX, which is impossible because the account was closed and paid in XX/XX/XXXX. 
XXXX. The open date, closed date, date of last activity, and payment history differ between all three bureaus, violating FCRA 607 ( b ) ( maximum possible accuracy ). 
XXXX. Because the account is closed, paid, and satisfied, late payments after the closure date are impossible, yet they continue to appear. 
XXXX. These inaccurate derogatory marks are causing serious harm to my credit standing. 

I am requesting the following resolution : Remove all inaccurate late payment notations ( including the XXXX lates ). 
Correct the account status to Paid/Closed Never Late. 
Require XXXX XXXX, TransUnion, and XXXX to furnish consistent and accurate data across all bureaus. 
Provide written confirmation once the corrections have been made. 

I have attached screenshots of : XXXX showing no late payments TransUnion showing XXXX lates with conflicting dates XXXX showing XXXX lates and an impossible reporting date The account summary showing the loan was paid in full and closed on XX/XX/XXXX. 

This inaccurate reporting violates the FCRA and is materially damaging my creditworthiness. I am requesting a reinvestigation and correction from the furnisher and the credit bureaus.

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: 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: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/2025, and XX/XX/2025. 
The account in XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Summary : XXXX  verified an IC System account without actually investigating it, violating the Fair Credit Reporting Act. 

Details : XXXX  reported that an I.C. System collection account ( XXXX ) was verified, but XXXX has refused to provide any documentation proving the debt exists, belongs to me, or was legally authorized to be furnished.

They will not supply : my signature a contract proof of original creditor proof of permissible purpose a description of their verification procedure This means XXXX  violated : 15 USC 1681i ( a ) ( failure to properly investigate ) 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) ( failure to supply method of verification ) 15 USC 1681b ( furnishing without permissible purpose ) I.C. System has also failed to provide any documentation or validation of the debt, which is required under 15 USC 1692g ( b ).

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: SC

Complaint narrative:
The evidence provided clearly shows that Equifax and TransUnion are reporting completely different and conflicting information for the same XXXX XXXX XXXX account, proving inaccurate furnishing and improper investigations. 

XXXX. TransUnion Evidence ( Screenshots Attached ) : Reports {$0.00} balance Reports PAID IN FULL / WAS A CHARGE-OFF Shows no recent negative updates Shows closed account Correct fall-off date : XX/XX/XXXX No collection activity This indicates the debt is no longer owed, or XXXX XXXX could not validate it for TransUnion. 

XXXX. Equifax Evidence ( Screenshots Attached ) : Reports a {$1900.00} balance ( different from XXXX {$0.00} ) Continues monthly charge-off updates in XXXX, which is illegal re-aging Reports Charge-off every month Reports Transferred to recovery even though no collector exists Shows recent updates in XX/XX/XXXX despiteXX/XX/XXXX being XX/XX/XXXX Shows active delinquency even though TransUnion reports the debt as settled/paid This shows Equifax is reporting false, outdated , and inconsistent information. 

XXXXXX/XX/XXXX Evidence ( Screenshots Attached if available ) : Does not report the account at all, which further proves inconsistent and unreliable reporting across the bureaus. 

XXXX. Failure to Investigate or Validate I sent multiple disputes and Method of Verification ( MOV ) requests to both bureaus. 
Neither bureau : provided validation, provided documents, explained the verification method, or corrected the inaccurate information. 

Both bureaus relied on automated e-Oscar responses, not a real investigation. 

XXXX. Clear FCRA Violations Shown in Evidence The attached screenshots demonstrate violations of : FCRA XXXX ( b ) accuracy FCRA XXXX failure to reinvestigate FCRA XXXX failure to provide verification FCRA XXXX ( a ) ( XXXX ) furnishing inaccurate information FCRA XXXX ( a ) ( XXXX ) failure to update and correct Illegal re-aging by Equifax The inconsistent data across bureaus proves the account is unverified, inaccurate, and unreliable.

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: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Received a Chime debit card associated with a XXXXXXXX XXXX account, both in my name but I do not have an account with either company. I requested they close it and they are refusing to do anything or give me any information until I file a police report or FTC complaint.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts Collections, Charge-Offs, Late Payments, and any Hard Inquiries that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report Case XXXX Number along with supporting documentation, including proof that my personal data was compromised in any data breach I request that the following fraudulent items be blocked within XXXX business days. I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent account ( XXXX ) appearing on my consumer XXXX Experian credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX  XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, a Credit Line opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, and a Car Loan opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have resulted in multiple fraudulent ( XXXX Inquiries, Collections, and Charge-offs ) appearing on my consumer XXXX credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. 

Pursuant to FCRA 605B, you must permanently block all fraudulent items I have identifiedincluding unauthorized accounts, collections, charge-offs, and inquiriesfrom my credit report within XXXX ( XXXX ) business days. 

Concurrently, I demand written confirmation of manual review ( not automated ), disclosure of all prior verification sources, and assurance these items will not be reinserted. Under the FDCPA and FCRA, all related collection activity must cease immediately. 

Provide written proof of compliance to my address on 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 2025-11-18 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
This is a supplemental complaint related to ongoing identity theft and improper credit reporting activity. After the XXXX identity theft account was removed, XXXX NEW fraudulent accounts appeared : ( XXXX ) a XXXX XXXX auto loan added by a third-party furnisher, and ( XXXX ) a XXXX XXXX XXXX XXXXXXXX account. I updated my FTC Identity Theft Report and attached my police report, ID, and address verification. Under FCRA 605B, these accounts must be blocked within XXXX business days, yet the bureaus are delaying and marking these items as under investigation. 

Additionally, XXXX other disputed accounts XXXX XXXX  and XXXX XXXX XXXX  were updated without the credit bureaus providing the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I have never received any documentation from these creditors proving these accounts belong to me. 

This is now a pattern of mixed-file errors, improper reinsertion activity, and failure to comply with FCRA 605B, 611, and 623 ( a ) ( 6 ). I request immediate deletion of all fraudulent and unverified accounts. 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