vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
My original XXXX  loans were being serviced by XXXX XXXX XXXX XXXX XXXX until XXXX of 2022. At that point, XXXX received my loans without any permissions or communications to myself. Since then, XXXX continues to report my XXXX  loans in each increment of borrowing for the period of time I was enrolled. which creates the effect of multiple loans on my credit report and is affecting my credit score. Prior to XXXX, XXXX XXXX reported my XXXX  debt as one amount. 

I have tried to send inquiry to the Credit bureaus through the online process, but they do not respond. XXXX is unreachable, I have attempted numerous times to communicate with them through phone and email, but I do not receive any response. My loan repayment is current and has been since the repayment process was instituted after the pause due to the COVID pandemic. I should not be punished in this manner. 

This practice of reporting each separate loan period should not be permitted, since the loan process of universities is continuous in each semester. I have only 1 XXXX  debt, not 12 as it is reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
My original XXXX  loans were being serviced by XXXX XXXX XXXX XXXX XXXX until XXXX of 2022. At that point, XXXX received my loans without any permissions or communications to myself. Since then, XXXX continues to report my XXXX  loans in each increment of borrowing for the period of time I was enrolled. which creates the effect of multiple loans on my credit report and is affecting my credit score. Prior to XXXX, XXXX XXXX reported my XXXX  debt as one amount. 

I have tried to send inquiry to the Credit bureaus through the online process, but they do not respond. XXXX is unreachable, I have attempted numerous times to communicate with them through phone and email, but I do not receive any response. My loan repayment is current and has been since the repayment process was instituted after the pause due to the COVID pandemic. I should not be punished in this manner. 

This practice of reporting each separate loan period should not be permitted, since the loan process of universities is continuous in each semester. I have only 1 XXXX  debt, not 12 as it is reported to 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 2025-07-10 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: MI

Complaint narrative:
My original XXXX  loans were being serviced by XXXX XXXX XXXX XXXX XXXX until XXXX of XXXX. At that point, XXXX received my loans without any permissions or communications to myself. Since then, XXXX continues to report my XXXX  loans in each increment of borrowing for the period of time I was enrolled. which creates the effect of multiple loans on my credit report and is affecting my credit score. Prior to XXXX, XXXX XXXX reported my XXXX  debt as one amount. 

I have tried to send inquiry to the Credit bureaus through the online process, but they do not respond. XXXX is unreachable, I have attempted numerous times to communicate with them through phone and email, but I do not receive any response. My loan repayment is current and has been since the repayment process was instituted after the pause due to the XXXX pandemic. I should not be punished in this manner. 

This practice of reporting each separate loan period should not be permitted, since the loan process of universities is continuous in each semester. I have only 1 XXXX  debt, not 12 as it is reported to 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 explanation
Consumer complaint received 2025-07-10 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:
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 605B of the Fair Credit Reporting Act.

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 2025-07-10 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry 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 2025-07-10 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: SC

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 explanation
Consumer complaint received 2025-07-10 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:
It appears that TransUnion 's response to my request to remove high balance of {$6300.00} has been closed. TransUnion simply " removed '' incorrect dates ( XXXX ). XXXX has no history of such an amount {$6300.00} ever being reported to any credit agency! 

I spoke with XXXX  XXXX  and it was explained to me why the {$4800.00} was reported because it was the charge at the opening of my dental account. 

XXXX XXXX erroneously reported a balance of $ XXXX and a non updated balance from XXXX XXXX  of {$2000.00} totaling $ XXXX was reported as negative by TransUnion ( 9 % credit utilization score ) and thus my credit score decreased from XXXX to XXXX. Upon dispute of both amounts, XXXX erroneously canceled the credit reporting to TransUnion and another XXXX points were deducted stating that my credit balance was decreased. 
A representative from TransUnion was on the phone when I called XXXX XXXX XXXX XXXX XXXXXXXX and while she could not interact, she heard the conversation that this was an error, the account would be reinstated to submit monthly credit balances. TransUnion updated XXXX to {$1500.00} because it had not updated since XX/XX/year> and yet TransUnion has not done anything to replace the XXXX point loss. 

TransUnion has not included its update on its erroneous credit utilization scoring of 14 % or its incorrect amount of {$14000.00} of credit amount totals. 

Given the years that I as a consumer have continued to complain to CFPB about TransUnion 's pattern in negatively affecting my credit score when it gets close to XXXX has gone unchallenged, without incidence and now seems retaliatory. 

TransUnion 's dark pattern and history of mishandling disputes, have affected me personally as a consumer in a ) Exercise of my rights ( disputing credit report items ) b ) Negatively impacted my ability to obtain, better interest rates and considerations for higher loan amounts. 

In conclusion, my credit accounts are paid in full monthly and generally carry XXXX balances. The Comenity ( dental ) account was {$8400.00} and in six months is down to {$1500.00}. My credit-worth speaks for itself. This is why I as a consumer currently view TransUnion 's continued disruption of my FICO scoring to be retaliatory against the number of disputes reported in these recurring events. 

I AM TIRED OF STARTING OVER EVERY YEAR TO BUILD MY SCORE BACK ONLY TO SEE TransUnion shoot it down EVERY 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 2025-07-10 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: LA

Complaint narrative:
It appears that TransUnion 's response to my request to remove high balance of {$6300.00} has been closed. TransUnion simply " removed '' incorrect dates ( XXXX ). XXXX has no history of such an amount {$6300.00} ever being reported to any credit agency! 

I spoke with XXXX  XXXX  and it was explained to me why the {$4800.00} was reported because it was the charge at the opening of my dental account. 

XXXX XXXX erroneously reported a balance of $ XXXX and a non updated balance from XXXX XXXX  of {$2000.00} totaling $ XXXX was reported as negative by TransUnion ( 9 % credit utilization score ) and thus my credit score decreased from XXXX to XXXX. Upon dispute of both amounts, XXXX erroneously canceled the credit reporting to TransUnion and another XXXX points were deducted stating that my credit balance was decreased. 
A representative from TransUnion was on the phone when I called XXXX XXXX XXXX XXXX XXXXXXXX and while she could not interact, she heard the conversation that this was an error, the account would be reinstated to submit monthly credit balances. TransUnion updated XXXX to {$1500.00} because it had not updated since XX/XX/year> and yet TransUnion has not done anything to replace the XXXX point loss. 

TransUnion has not included its update on its erroneous credit utilization scoring of 14 % or its incorrect amount of {$14000.00} of credit amount totals. 

Given the years that I as a consumer have continued to complain to CFPB about TransUnion 's pattern in negatively affecting my credit score when it gets close to XXXX has gone unchallenged, without incidence and now seems retaliatory. 

TransUnion 's dark pattern and history of mishandling disputes, have affected me personally as a consumer in a ) Exercise of my rights ( disputing credit report items ) b ) Negatively impacted my ability to obtain, better interest rates and considerations for higher loan amounts. 

In conclusion, my credit accounts are paid in full monthly and generally carry XXXX balances. The Comenity ( dental ) account was {$8400.00} and in six months is down to {$1500.00}. My credit-worth speaks for itself. This is why I as a consumer currently view TransUnion 's continued disruption of my FICO scoring to be retaliatory against the number of disputes reported in these recurring events. 

I AM TIRED OF STARTING OVER EVERY YEAR TO BUILD MY SCORE BACK ONLY TO SEE TransUnion shoot it down EVERY YEAR!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and misleading information currently being reported on my credit file concerning the following account : Creditor : DISCOVERC ( Discover Bank ) Account Number ( first XXXX ) : XXXX Balance : {$16000.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Charged Off Grounds for Dispute : XXXX. Ownership and Creditor Identification Error On XX/XX/XXXX, Discover Bank merged into XXXX  XXXX, XXXX. ( XXXX XXXX ). However, this account continues to be reported under DISCOVERC without indicating any sale or transfer of ownership. This is misleading and materially inaccurate, violating the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which requires furnishers to provide accurate and complete information. 
XXXX. Improper Balance Reporting After Sale If Discover no longer owns this account, it should not be reporting any balance. The current report shows a past-due balance of {$16000.00}, which is improper and misleading under both the FCRA and XXXX XXXX reporting standards for sold or transferred debt. 
XXXX. Potential Illegal Re-Aging of Debt The account shows a last payment date of XX/XX/XXXX, yet the status was updated in XX/XX/XXXX and the balance updated as recently as XX/XX/XXXX. This may constitute re-aging, which artificially restarts the 7-year reporting period for derogatory accounts, violating FCRA 1681c.

4. Failure to Notify of Debt Ownership Transfer Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the FCRA, 15 U.S.C. 1681s-2, I should have received proper written notice informing me of the ownership transfer from Discover Bank to XXXX XXXX, XXXX. I have received no such notification. This failure violates my federal rights and affects the accuracy and completeness of the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-10 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-10 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: TX

Complaint narrative:
To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Procedural Demand Under Section 611 of the FCRA To Whom It May Concern, I am issuing this written demand under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ) to obtain documentation of the procedures used in your reinvestigation of disputed credit items. 
Details of my prior dispute from XX/XX/XXXX : Creditor Name : XXXX XXXX XXXX Number ( First XXXX digits ) : XXXX, XXXX, XXXX, XXXX Nature of Dispute : inaccurate, unverified In compliance with federal law, I expect : A detailed description of your verification methodology Names of parties or entities contacted Supporting evidence reviewed during reinvestigation You have XXXX calendar days to respond. If you fail to comply, I will seek legal remedies including damages and costs, as authorized by the FCRA. 
Response Contact : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX 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 2025-07-10 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: LA

Complaint narrative:
I am submitting this complaint against Experian, Equifax, and TransUnion due to their ongoing failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c2 ), which mandates the removal of identity theft-related information within four business days. 

I am a victim of identity theft and have already submitted an FTC Identity Theft Report ( # XXXX ), a completed identity theft affidavit, a copy of my driver 's license, Social Security card, passport card, a bank statement verifying my address, and a full dispute letter package to all three credit bureaus. 

Despite this, the following violations have occurred : They failed to remove fraudulent tradelines that were clearly opened without my authorization.They failed to block unauthorized hard inquiries, which continue to appear on my reports.They failed to delete consumer statements and alerts related to fraud that are inaccurate, not written by me, and are damaging to my credit and reputation.

These actions violate FCRA 605B and case law such as XXXX XXXX TransUnion LLC, which affirms a consumers right to have erroneous and reputationally harmful information promptly corrected. 

Fraudulent Accounts Include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Unauthorized Inquiries Include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( TransUnion & Experian ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( Experian ) XXXX XXXX XXXXXX/XX/XXXX ( TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax )

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 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX 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 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 2025-07-10 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: CA

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

1681c-2 ) that you, the Equifax Information Services , 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief