vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-03-03 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: GA

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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 2025-03-03 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: GA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. Despite previous dispute attempts, incorrect data remains on my report, violating my rights under the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to correct disputed inaccuracies and engaging in unfair reporting practices. The same issues highlighted in that lawsuit are affecting my credit report. 



The following items on my credit report are inaccurate and must be corrected immediately : XXXX XXXX currently in active litigation and multiple accounts that are past the 7 yr reporting mark.

Additionally, I have identified expired accounts that exceed the seven-year reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act. These accounts must be removed immediately, as they violate federal law and should no longer appear on my credit report. 



Furthermore, my report contains accounts that are currently in litigation. Under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act, it is unlawful for Experian or any reporting agency to include accounts in active litigation. By continuing to report these accounts, Experian is in direct violation of federal consumer protection laws. These accounts must be Under the FCRA, you are required to investigate and correct any inaccuracies within 30days If these errors are not corrected, I am prepared to escalate this matter to the CFPB and seek legal remedies for Experian 's failure to comply with consumer protection laws. Please provide a written confirmation once the disputed information has been corrected or removed. 



I appreciate your prompt attention to this matter. You may contact me at the information provided above should you require further clarification. 



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 non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report. Despite previous dispute attempts, incorrect data remains on my report, violating my rights under the Fair Credit Reporting Act ( FCRA ). I would like to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian for failing to correct disputed inaccuracies and engaging in unfair reporting practices. The same issues highlighted in that lawsuit are affecting my credit report. 



The following items on my credit report are inaccurate and must be corrected immediately : XXXX XXXX currently in active litigation and multiple accounts that are past the 7 yr reporting mark.

Additionally, I have identified expired accounts that exceed the seven-year reporting limit under 15 U.S.C. 1681c ( a ) ( 5 ) of the Fair Credit Reporting Act. These accounts must be removed immediately, as they violate federal law and should no longer appear on my credit report. 



Furthermore, my report contains accounts that are currently in litigation. Under 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act, it is unlawful for Experian or any reporting agency to include accounts in active litigation. By continuing to report these accounts, Experian is in direct violation of federal consumer protection laws. These accounts must be Under the FCRA, you are required to investigate and correct any inaccuracies within 30days If these errors are not corrected, I am prepared to escalate this matter to the CFPB and seek legal remedies for Experian 's failure to comply with consumer protection laws. Please provide a written confirmation once the disputed information has been corrected or removed. 



I appreciate your prompt attention to this matter. You may contact me at the information provided above should you require further clarification. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: MN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-03-03 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-03 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Creditor/Collection Agency Name : XXXX XXXX  Account Number : XXXX Creditor/Collection Agency Name : XXXX  Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX Date of Inquiry : XX/XX/XXXX Company That Performed Inquiry : XXXX  Date of Inquiry : XX/XX/XXXX Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ). 

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-03 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-03 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: NY

Complaint narrative:
Demand for Immediate Deletion of Inaccurate Account Account Name : XXXX XXXX XXXX XXXX XXXX Card Account Number : XXXX I am demanding the immediate deletion of the above-referenced account from my credit file due to multiple reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA 15 U.S.C 1681 ). The information reported by Equifax and TransUnion is inconsistent, inaccurate, and unverifiable, making this account invalid under FCRA 1681i ( a ) ( 5 ) ( A ).

Discrepancies Between Equifax and TransUnion Reports : 1. Different Account Names : Equifax reports the account as XXXX XXXX XXXX XXXX 
TransUnion reports it as XXXX XXXX. 
2. Different Last Payment Dates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Different Balance Update Dates : Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX It is illegal under FCRA 1681s-2 ( a ) to update an account inaccurately, especially after it has been charged off. 
4. Payment History Reporting Issues : Equifax : Reports charge-offs for multiple months. 
TransUnion : No payment history displayed, making the status inconsistent and unverifiable. 
5. Status Update Date Manipulation : Both bureaus list the status update as XXXX XXXX, despite no recent activity.

This is a clear attempt to re-age the account, which violates FCRA 1681c ( a ) ( 4 ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ), as charge-off accounts can not have their dates manipulated to remain longer on a credit report.

These discrepancies violate FCRA 1681e ( b ), which requires only accurate and verifiable information to be reported. Since the bureaus can not even agree on the basic details of this account, the information is clearly unreliable and must be deleted immediately under FCRA 1681i ( a ) ( 5 ) ( A ). 

I am not requesting an investigationI am demanding immediate deletion of this account from my credit report. If this request is not honored, I will escalate my complaint to the Federal Trade Commission ( FTC ), and potentially pursue legal action for noncompliance with the FCRA. 

Failure to comply with federal reporting laws may result in legal action against the credit bureaus and the data furnisher for willful noncompliance under FCRA 1681n, entitling me to statutory damages, actual damages, and attorney fees. 

Please provide written confirmation of deletion within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THESE CREDITORS. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 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: GA

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THESE CREDITORS. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( 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 non-monetary relief