vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 
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 2025-09-08 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: VA

Complaint narrative:
TransUnion data breach has impacted me and these accounts along with some others because I could only dispute XXXX at a time need to be removed!

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 2025-09-08 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and contradictory reporting of my XXXX XXXX XXXX  XXXX account ( ending XXXX ) on my Equifax credit report. 
The account is reported as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$200.00}. This is factually impossible for a closed and paid account. 
The tradeline is also coded with the derogatory narrative Paid Charge Off, even though the account shows as paid/closed with {$0.00} due. Historical data blocks include post-closure Scheduled/Actual Payments in XXXX, which contradict the accounts status. 
I have disputed this account multiple times with Equifax. The most recent reinvestigation ( XX/XX/XXXX ) only modified historical information but left the contradictions unresolved. 
This violates the FCRA ( 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ), because the information is inaccurate and misleading.

Requested remedy : Please remove the derogatory Paid Charge Off narrative, or delete the entire tradeline if XXXX can not provide accurate documentation ( original statements, charge-off ledger, correct DOFD, and 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 2025-09-08 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: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and contradictory reporting of my XXXX XXXX XXXX  XXXX account ( ending XXXX ) on my Equifax credit report. 
The account is reported as Closed on XX/XX/XXXX with a {$0.00} balance and {$0.00} past due, yet Equifax also shows a Date of Last Payment of XX/XX/XXXX and an Actual Payment of {$200.00}. This is factually impossible for a closed and paid account. 
The tradeline is also coded with the derogatory narrative Paid Charge Off, even though the account shows as paid/closed with {$0.00} due. Historical data blocks include post-closure Scheduled/Actual Payments in XXXX, which contradict the accounts status. 
I have disputed this account multiple times with Equifax. The most recent reinvestigation ( XX/XX/XXXX ) only modified historical information but left the contradictions unresolved. 
This violates the FCRA ( 1681e ( b ), 1681i, 623 ( a ) ( 5 ) ), because the information is inaccurate and misleading.

Requested remedy : Please remove the derogatory Paid Charge Off narrative, or delete the entire tradeline if XXXX can not provide accurate documentation ( original statements, charge-off ledger, correct DOFD, and XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AR

Complaint narrative:
I am writing to formally dispute the inaccurate late payment reporting associated with the XXXX account ending in XXXX currently appearing on my TransUnion credit report. 
According to your records, this account has been reported as Late XXXX  Days continuously from XX/XX/XXXX through XX/XX/XXXX, reflecting a balance owed of {$34000.00}. This negative reporting does not align with my payment history or account status. I have maintained this account responsibly and have not received notifications supporting these delinquency claims. The payment history reported to TransUnion is inaccurate, outdated, and unfairly damaging my creditworthiness. The persistent XXXX late status for this account has significantly harmed my credit scXXXX and does not reflect my actual payment behavior. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), TransUnion is required to maintain maximum possible accuracy of the information reported. Additionally, under 611, I am entitled to a full reinvestigation of any disputed information to ensure it is complete and accurate. 
I respectfully request that TransUnion promptly reinvestigate this account and contact the furnisher, XXXX, to provide proper documentation substantiating these reported late payments. 
If the furnisher can not provide adequate verification, the inaccurate information must be corrected from my credit file under FCRA 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: KY

Complaint narrative:
b'I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act (FCRA), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing.\n\nThe following accounts are in dispute:XXXXXXXX XXXX XXXX U.S. Bankruptcy Court Docket Identifier: XXXX\nBankruptcy Chapter U.S. Bankruptcy Court Docket Identifier:XXXX XXXX \XXXX XXXX\XXXX XXXX XXXX XXXX XXXX XXXX Balance:$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 2025-09-08 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: IL

Complaint narrative:
Fraudulent inquiry on mycreditreport. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-09-08 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: NY

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Auto loan in the amount of XXXX in collection or charge off standing on my credit report that I am completely unaware of. I tried calling the company a while back a received no help on their end. I dont know what to do or how to go about getting this removed. Can someone help me please?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. Enclosed are the supporting documents to substantiate my claim.

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 2025-09-08 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: PA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate reporting on my credit file. Upon reviewing my credit report, I noticed that a XXXX late payment is being reported for my account with XXXX XXXX ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which is listed as being due on XX/XX/XXXX. However, this account has always been paid in full and on time, and there was no outstanding balance owed at the time of the reported late payment. 

The reported balance is {$0.00}, and the notation of a XXXX late payment does not reflect the actual payment history. I have ensured timely payments for this account, and no late payment ever occurred. This appears to be an error or a misunderstanding either in your reporting system or due to inaccurate information provided by the creditor. 

I have attempted to resolve this issue by disputing the inaccurate entry with the credit bureau, but the error has not been corrected. I am now seeking assistance from the CFPB to address this matter. 

Legal Basis for Complaint : Fair Credit Reporting Act ( FCRA ) 1681i ( a ) : The FCRA provides me with the right to dispute inaccurate information and require a full investigation into the disputed entry. The law mandates that inaccurate information must be corrected or deleted from my credit report if it can not be verified as accurate.

FCRA 1681s-2 ( a ) : Under the FCRA, furnishers of information, such as XXXX XXXX are required to provide accurate and complete information to credit reporting agencies. Since the balance is shown as {$0.00}, there is no valid basis for this late payment to be reported. 

CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) : Given the protections under the CARES Act, if the late payment was related to a period of financial difficulty due to the COVID-19 pandemic, the account should be reported as current if it was subject to deferrals, forbearance, or payment modifications. I request that this entry be treated in accordance with the protections offered under the CARES 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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XXXX XXXX I sent money through XXXX to buy a camera from XXXX XXXX. The person said they were going to ship it and they never did. They eventually stopped responding and they removed their account.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am submitting a formal request for the removal of this inaccurate account from my credit report, as I never authorized its creation or use. I have included supporting documents with this letter to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the late payment reporting associated with the XXXX XXXX XXXX  account ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) currently appearing on my TransUnion credit report. 
According to your report, this account is open with a balance of {$21000.00} and a status of XXXX 30 Days. The payment history shows repeated XXXX and XXXX late marks, particularly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which I firmly contest. I have consistently worked to keep this account in good standing and believe the negative payment history shown is either outdated, inaccurately reported, or unverified. 
Additionally, I have reviewed reports from other credit bureaus, and while late payments may appear, there are discrepancies in the months and severity of delinquency, indicating inconsistent and potentially unreliable data being furnished to TransUnion. Under FCRA 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in credit reporting, and under 611, I am entitled to a full reinvestigation of disputed information.

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 2025-09-08 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: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-08 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:
I see that incorrect accounts continue to appear on my credit report, and they have not been removed. I kindly ask that the documents Ive provided be carefully reviewed so this problem can finally be resolved, allowing me peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: LEXISNEXIS
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX XXXX XX/XX/XXXX LexisNexis Risk Solutions Attn : Consumer Center P.O. XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear LexisNexis XXXX Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. 

The following item is being reported inaccurately and/or without proper verification : Public Record Type : XXXX XXXX XXXX DISCHARGED XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source. 

No Consumer Reporting Authorization : The XXXX XXXX  XXXX does not report bankruptcies to LexisNexis or any credit reporting agency, nor do they authorize you to collect and disseminate this information. 

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed.

Violation of FCRA 611 : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. 

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within XXXX  days of receipt of this letter. 

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. 

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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