vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate and misleading entries that violate the Fair Credit Reporting Act ( FCRA ). The addresses listed 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 XXXXXXXX are incorrect and should be removed immediately. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain the maximum possible accuracy of consumer information, and these inaccurate addresses create confusion and potential identity concerns. 
The account XXXX  ( Account XXXX. XXXX ) is being reported with a {$0.00} balance but shows a closed late status, which is factually incorrect and misleading. Similarly, the following charge-off accountsXXXX XXXX  ( {$1200.00} ), XXXX XXXX  ( {$8100.00} ), and XXXX XXXX XXXX  XXXX {$360000.00} ) contain inconsistent reporting on balances and payment histories that can not be verified. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report only complete and accurate information, and under 611 ( a ), I have the right to dispute and request a full reinvestigation of any data that can not be substantiated. 
Additionally, XXXX XXXX ( Balance {$1600.00} ) and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, Balance {$330.00} ) are being reported as active collections ; however, I have not received proper validation of these debts. These entries should be verified or removed in compliance with FCRA 611 ( a ) and 623 ( a ) ( 2 ), which require correction of inaccurate or unverifiable information. 
The report also shows XXXX XXXX XXXX XXXX XXXX  ( Reference # XXXX ), which appears to be inaccurately linked or reported. Public record data must be verified with the courts and can not be reported in error under FCRA 607 ( b ) and 605 ( a ). 
Finally, the following hard inquiries XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), and duplicates thereof were made without my explicit authorization or permissible purpose. This violates FCRA 604 ( a ) ( 3 ), which limits the access of consumer reports to those with legitimate business needs and proper consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate and misleading entries that violate the Fair Credit Reporting Act ( FCRA ). The addresses listed 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 XXXXXXXX are incorrect and should be removed immediately. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain the maximum possible accuracy of consumer information, and these inaccurate addresses create confusion and potential identity concerns. 
The account XXXX  ( Account XXXX. XXXX ) is being reported with a {$0.00} balance but shows a closed late status, which is factually incorrect and misleading. Similarly, the following charge-off accountsXXXX XXXX  ( {$1200.00} ), XXXX XXXX  ( {$8100.00} ), and XXXX XXXX XXXX  XXXX {$360000.00} ) contain inconsistent reporting on balances and payment histories that can not be verified. According to FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report only complete and accurate information, and under 611 ( a ), I have the right to dispute and request a full reinvestigation of any data that can not be substantiated. 
Additionally, XXXX XXXX ( Balance {$1600.00} ) and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX, Balance {$330.00} ) are being reported as active collections ; however, I have not received proper validation of these debts. These entries should be verified or removed in compliance with FCRA 611 ( a ) and 623 ( a ) ( 2 ), which require correction of inaccurate or unverifiable information. 
The report also shows XXXX XXXX XXXX XXXX XXXX  ( Reference # XXXX ), which appears to be inaccurately linked or reported. Public record data must be verified with the courts and can not be reported in error under FCRA 607 ( b ) and 605 ( a ). 
Finally, the following hard inquiries XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX )XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX ), and duplicates thereof were made without my explicit authorization or permissible purpose. This violates FCRA 604 ( a ) ( 3 ), which limits the access of consumer reports to those with legitimate business needs and proper 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 2025-10-18 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: GA

Complaint narrative:
I am sending to formally dispute several accounts being inaccurately reported on my credit file. These inaccuracies do not reflect my true credit history and have negatively impacted my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a complete reinvestigation and to require that any unverifiable or inaccurate information be corrected in accordance with federal law.I am specifically requesting that each of the identified accounts be thoroughly reviewed to ensure that all information reported is accurate, complete, and verifiable. If any portion of the data can not be substantiated, I ask that it be corrected promptly to maintain compliance with FCRA standards .. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX is falsely reporting XXXX debt. 

XXXX went into collections in XX/XX/XXXX. 

XXXX is reporting XXXX which is false illegal reporting. 

XXXX bill was sent to XXXX in XXXX and not XXXX. I have not contacted XXXX. 

XXXX must report the correct date of XXXX and not XXXX. 

Recording from XXXX stating the account was sent in XX/XX/XXXX. 

Please see final bill dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 

XXXX XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXX XXXX : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MD

Complaint narrative:
Provide documentation of the authorization, ( FCRA ) says a hard inquiry should only be made with my explicit written authorization and I did not authorize this. 

XXXX. XXXX XXXX XXXX. XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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 find it very unfortunate that Transunion has ignored my requests and doesnt seem to care about the consumer. I submitted a complaint already to Transunion and was completely IGNORED, I am a victim of Identity theft and have attached a FTC identity theft Affidavit. I regularly check my credit reports these last few months and my scores due to pressing needs of me and my entire family. I have been reaching out to Transunion regarding items I believe to be inaccurate and unlawful to post about me. This has caused me a lot of XXXX and anxiety which I have been getting treatment for and along with this I recently suffered an event that has causedXX/XX/XXXXXXXX. This has caused me to take time away from work and I have been trying to find a new home that takes me away from the area that can possibly trigger my XXXX. However again due to the derogatory items being reported about me damaging me, I have been unable to obtain new lodging in a safer community for me and my family. I have previously reached out to CFPB regarding this as Transunion being one of the important Credit Reporting Agencies in my region just about all lenders seem to use them to verify my financial worthiness. Also if this is indeed the way that Transunion operates then I would imagine that other people in this country experience the same outcome when they dispute with them as well. I have researched and talked with others and I can not seem to find anything supporting this occurrence. I have reached out to Transunion about this multiple times calling their call center where I can not seem to get reliable help regarding this situation and most times my calls end with their representatives hanging up on me and not calling back until days later from an unavailable number and not leaving a direct line for me to reach back to the representative that I would hope is from a higher level of representation. So to all of this then please explain the errors and false misleading information on my report and the exact process being used to verify them as I honestly believe that they are illegally being reported to begin with and if they are removed as they should per law then I have no reason to dispute.

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 2025-10-18 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: Kikoff Inc.
State: TX

Complaint narrative:
I requested a contract from this company, they never provided me with it. I have been fighting identity theft and this account is result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute certain information on my credit report. I was recently affected by the TRANSUNION XXXX  data breach, which has compromised my personal information. As a result I request the removal of THREE negative items from my credit report. The items I dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3900.00} These items are inaccurate and should be removed immediately from my credit report. Please correct as soon as possible. If these items are not removed immediately I will proceed with all legal remedies. I appreciate your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FC HoldCo LLC
State: AL

Complaint narrative:
Car was totaled on XX/XX/year> company keep loan active still occurring late fees, for 5 months and still occurring them to the date. Insurance company paid claim XXXX and the Gap insurance paid XXXX. The care was only XXXX. The loan was paid off earlier but the company did not drop the interest fees even though the car was paid off in one year instead of 8 years.

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 2025-10-18 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: FL

Complaint narrative:
XXXX  I am disputing several inaccurate items appearing on my credit report. First, the listed addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are incorrect and should not be associated with my credit file. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to maintain only accurate and verifiable personal identifying information. 
Additionally, the new collection account from XXXX ( Original Creditor : XXXX XXXX XXXX  ) with a reported balance of {$97.00} appears to be inaccurate and unverified, and I have not received proper validation of this debt as required under FCRA 623 ( a ) ( 1 ) ( A ). Likewise, the charge-off from XXXX XXXX XXXXXXXX is being reported with incomplete or misleading information, which violates the accuracy and completeness requirements outlined in FCRA 607 ( b ) and 611 ( a ). 
Lastly, the inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear without my authorization. Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only furnish reports for permissible purposes. If these inquiries were made without my consent, they must be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: FL

Complaint narrative:
XXXX  I am disputing several inaccurate items appearing on my credit report. First, the listed addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are incorrect and should not be associated with my credit file. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), credit reporting agencies are required to maintain only accurate and verifiable personal identifying information. 
Additionally, the new collection account from XXXX ( Original Creditor : XXXX XXXX XXXX  ) with a reported balance of {$97.00} appears to be inaccurate and unverified, and I have not received proper validation of this debt as required under FCRA 623 ( a ) ( 1 ) ( A ). Likewise, the charge-off from XXXX XXXX XXXXXXXX is being reported with incomplete or misleading information, which violates the accuracy and completeness requirements outlined in FCRA 607 ( b ) and 611 ( a ). 
Lastly, the inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX appear without my authorization. Under FCRA 604 ( a ) ( 3 ), consumer reporting agencies may only furnish reports for permissible purposes. If these inquiries were made without my consent, they must be removed immediately.

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