vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: FL

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 2025-07-16 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-07-16 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: NC

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 2025-07-16 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:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Reference : Original CFPB Complaint # XXXX Still Unresolved I am filing this complaint because Experian has failed to properly investigate or resolve a dispute I submitted regarding an account originally opened through XXXX XXXX which was later acquired by XXXX XXXX XXXX XXXX The account is now listed on my credit report as XXXX XXXX and is reporting a charge-off with a balance and numerous late payments. 

I have submitted multiple disputes to Experian. Most recently, they falsely claimed that the item I disputed was not listed on my credit report. This is completely inaccurate I have attached a XXXX of my current credit report clearly showing that the account is still being reported, with negative information actively affecting my credit. 

I have received no reinvestigation results, no written explanation, and no documentation supporting the continued reporting of this account. I have done my part and repeatedly submitted supporting documentation to Experian in good faith to get this removed. At this point, Experian is not responding with action they are simply stalling, providing canned responses without resolving the issue. 

Additionally, XXXX has a documented history of furnishing inaccurate credit information, as detailed in the CFPBs consent order issued in XX/XX/year>. While that consent order covered violations from XXXX, my account began reporting in XXXX  and shows the same types of systemic errors cited in the CFPBs findings. This suggests that XXXX has not corrected its practices, in direct violation of the order and the FCRA. 

Because of this unresolved and inaccurate reporting, my ability to obtain housing and move forward financially is being directly impacted. This is no longer about requesting documentation it is about repeatedly being denied a fair resolution despite providing clear proof of the accounts continued presence and inaccuracy. 

I am requesting that the CFPB urgently step in and : 1. Require Experian to conduct a legitimate reinvestigation of this account ; 2. Require Experian or XXXX to provide direct supporting documentation if they intend to continue reporting it ; XXXX. If proper documentation can not be provided, direct Experian to immediately remove this account from my credit report to prevent further harm. 



Ive attached all necessary supporting documents, including the relevant page of my credit report, and am asking for your help in resolving this matter without further delay.

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 2025-07-16 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: VA

Complaint narrative:
Re : Dispute of Student Loan Account Department of Education To Whom It May Concern : I am writing to dispute the reporting of the above-referenced student loan account belonging to me by the Department of Education . This account was discharged due to Total and XXXX XXXX. Despite this, the loan is still appearing on my credit report. 

This is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), I request that you immediately investigate and * * delete this item * * from my credit report, or update the status to reflect the discharge. 


Please complete your investigation within 30 days as required by FCRA and mail me written confirmation of the results, including an updated credit report. If you determine you can not verify the accuracy, please remove the item entirely. 

Thank you for your immediate attention to deleting this discharged student loan. I look forward to receiving confirmation and an updated report. 

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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
Hi, Im following up on my dispute that was recently marked as resolved. I was told Id receive a credit by XX/XX/XXXX, but the case was closed before that date without any credit being issued. 

I was informed the dispute was denied because the online banking activity matched my usual login times. I want to clarify that I did not authorize those transactions, and matching login times alone doesnt prove I made the charges. If my account or card was accessed without my permission even from my own device that is still unauthorized use. 

I am requesting a formal reconsideration or re-investigation of this dispute. The resolution was premature and inconsistent with what I was originally told. If necessary, Im prepared to escalate this to the Consumer Financial Protection Bureau, as I believe the process was not handled fairly.

Please confirm next steps, and whether my dispute can be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of an account appearing on my credit report. The account is listed as follows : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( partial for privacy ) Date Opened : XX/XX/XXXX Status : Charged-off, Purchased by Another Lender Reported Balance : {$0.00} Date Closed : XX/XX/XXXXXXXX  This account contains multiple inaccuracies or unverifiable details, including but not limited to : Inconsistent reporting of late payments after charge-off Incorrect payment status in months after last payment made ( XX/XX/XXXXXXXX  ) The account was charged-off and sold, yet continues to report activity that may not be accurate The original creditor no longer owns the account and may not be furnishing updates in compliance with FCRA 623 Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account. If the furnisher of the data ( XXXXXXXX XXXX ) can not verify the accuracy and completeness of this information, it must be deleted from my credit report. 

Please provide me with the results of your investigation and a copy of my updated credit report once your review is complete. If you need further information from me to conduct your investigation, please let me know. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Subject : Dispute of Inaccurate Information on Credit Report XXXX XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of an account appearing on my credit report. The account is listed as follows : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ( partial for privacy ) Date Opened : XX/XX/XXXX Status : Charged-off, Purchased by Another Lender Reported Balance : {$0.00} Date Closed : XX/XX/XXXXXXXX  This account contains multiple inaccuracies or unverifiable details, including but not limited to : Inconsistent reporting of late payments after charge-off Incorrect payment status in months after last payment made ( XX/XX/XXXXXXXX  ) The account was charged-off and sold, yet continues to report activity that may not be accurate The original creditor no longer owns the account and may not be furnishing updates in compliance with FCRA 623 Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this account. If the furnisher of the data ( XXXXXXXX XXXX ) can not verify the accuracy and completeness of this information, it must be deleted from my credit report. 

Please provide me with the results of your investigation and a copy of my updated credit report once your review is complete. If you need further information from me to conduct your investigation, please let me know. 

Thank you for your assistance. 

Sincerely, 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly XXXX XXXX XXXX XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to XXXX XXXX. XXXX, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Signed and notarized agreement to modify my load it was canceled because of a title issue that I proved is cleared with a receipt and they wo t honor it and took my XXXX  payment and now are not willing to help. I proved I have no tittle issue with paperwork. I also am receiving the XXXX  homeowners assistance fund grand that they returned XXXX  for no reason. Phh mortgage is my mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation