vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: IL

Complaint narrative:
I am writing to formally submit a complaint regarding specific charge-off accounts appearing on my Equifax, Experian, and TransUnion credit reports. 

XXXX Accounts XXXX : XXXX XXXX Equifax : {$2800.00}, charged-off, 16 % of payments made on time. ( still remains - and requested multiple times for it to be deleted due to negligence ) Experian : deleted TransUnion : deleted XXXXXXXX XXXX Equifax : {$1000.00}, charged-off, 22 % of payments made on time. 
Experian : XXXX is {$0.00}. 
TransUnion : XXXX is {$0.00}. 

Inconsistencies : These charge-off accounts are only reported on Equifax and XXXX not present on my Experian and TransUnion reports XXXX This discrepancy raises significant concerns about the accuracy of my credit file and may negatively impact my creditworthiness. 

Previous Discussions : I have discussed these issues multiple times with both the credit repair bureau and the merchants who own these accounts. Despite my efforts to resolve these inaccuracies, the charge-off statuses remain inconsistent and uncorrected.

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 2025-05-29 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
The delinquent payment showing on my credit report XX/XX/XXXX to XX/XX/XXXX for my XXXX XXXX ( ending in XXXX  XXXX ) was a result of my job loss due to COVID-19. The CARES Act was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID as Agreed and discontinue reporting any late payment for the following time period on my XXXX and XXXX  credit report, which I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : 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 2025-05-29 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-29 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: GA

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me. 

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I ask that you block and delete the unauthorized information. I have attached a list of the disputed items and a copy of my Identity Theft Report filed with the FTC. 

Please investigate and remove these items as soon as possible. I would appreciate written confirmation once the corrections are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I DID NOT OPEN, AUTHORIZE, OR HAVE ANY KNOWLEDGE OF THE FOLLOWING ACCOUNTS AND INQUIRIES APPEARING ON MY CREDIT FILE. I'VE TRIED ASKING FOR INFORMATION, RESOLUTIONS AND DELETIONS SEVERAL TIMES. I HAVE SENT CEASE AND DISIST LETTERS PLUS MORE THROUGH EACH COMPANY AND CFPB COMPLAINTS AND THE CREDIT REPORTING AGENCY IS NOT ABIDING BY THE FCRA LAW THAT IS SUPPOSED TO PROTECT US. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ATTACHED IS FTC REPORT, AFFIDAVIT, ID, BANK STATEMENT WITH NAME AND ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
Details of the Issue : Type of Issue : Inaccurate credit reporting ( old repossession account ) Original Creditor/Servicer : [ XXXX XXXX XXXX ] Credit Bureau ( s ) Involved : [ Experian / Equifax / TransUnion Date of Last Activity : [ over 7 years ago ] Account Number : XXXX This account was previously removed from my credit report after an earlier dispute. Its reappearance appears to violate : 1. FCRA Section 605 ( a ) which prohibits credit bureaus from reporting most negative information after 7 years from the date of first delinquency ; 2. FCRA Section 611 which requires credit bureaus to verify disputed information within 30 days ; 3. FCRA Section 623 which prohibits furnishers of information from reporting data they know to be inaccurate.

I have attempted to resolve this matter directly with the credit bureaus, but the issue remains unresolved. The information in question is either inaccurate, obsolete, or unverifiable, and should not be on my credit file.

Resolution Requested : Immediate deletion of the re-aged/inaccurate repossession account ; A formal investigation into how and why this account was re-reported ; Written confirmation of the outcome.

Enclosed/attached are copies of my identification and supporting documents, including a copy of my credit report highlighting the disputed account.

Thank you for your assistance in protecting my rights under federal consumer protection law. 

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 2025-05-29 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: WA

Complaint narrative:
Details of the Issue : Type of Issue : Inaccurate credit reporting ( old repossession account ) Original Creditor/Servicer : [ XXXX XXXX XXXX ] Credit Bureau ( s ) Involved : [ Experian / Equifax / TransUnion Date of Last Activity : [ over 7 years ago ] Account Number : XXXX This account was previously removed from my credit report after an earlier dispute. Its reappearance appears to violate : 1. FCRA Section 605 ( a ) which prohibits credit bureaus from reporting most negative information after 7 years from the date of first delinquency ; 2. FCRA Section 611 which requires credit bureaus to verify disputed information within 30 days ; 3. FCRA Section 623 which prohibits furnishers of information from reporting data they know to be inaccurate.

I have attempted to resolve this matter directly with the credit bureaus, but the issue remains unresolved. The information in question is either inaccurate, obsolete, or unverifiable, and should not be on my credit file.

Resolution Requested : Immediate deletion of the re-aged/inaccurate repossession account ; A formal investigation into how and why this account was re-reported ; Written confirmation of the outcome.

Enclosed/attached are copies of my identification and supporting documents, including a copy of my credit report highlighting the disputed account.

Thank you for your assistance in protecting my rights under federal consumer protection law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

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 2025-05-29 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it is from a XXXX party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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 2025-05-29 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions.

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

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 explanation
Consumer complaint received 2025-05-29 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: NY

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 2025-05-29 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: NY

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope this complaint finds you well. After reviewing my consumer report, I noticed there are inquiries on my consumer report that I do NOT recognize. Every time I review my report, it's saturated with inaccurate and misleading information. I sent Experian a letter on XX/XX/year>. They have a grave responsibility to report accurate information. According FCRA, I am entitled to compensation up to {$1000.00} PER VIOLATION. I know federally protected rights. According to 15 USC 1681 ( a ) ( 1 ) the banking system is dependent on fair and accurate reporting of consumer data. You have diminished the value of my credit reports by reporting inaccurate information, deeming my reports invaluable to me. This directly impairs the efficiency of the banking system and is violation. I DEMAND REMOVAL OF THESE INACCURATE INQUIRIES IMMEDIATELY. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being.

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 2025-05-29 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 HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX FINANCE # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX UPSTART XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX CRED # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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