vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1700.00} XXXX Account number XXXX Account type Line of Credit Date opened XX/XX/XXXX Balance {$3700.00} XXXX XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$13000.00} XXXX XXXX Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$3600.00} XXXX  Account number XXXX Account type Credit card XXXX opened XX/XX/XXXX Balance {$1900.00}

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 2025-11-19 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: FL

Complaint narrative:
FORMAL IDENTITY THEFT BLOCK REQUEST 15 U.S.C. 1681c-2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX | DOB : XX/XX/XXXX Date : XX/XX/XXXX Experian Information Services XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : MANDATORY 4DAY IDENTITY THEFT BLOCK ALL FRAUD ACCOUNTS LISTED BELOW This is a formal demand under 15 U.S.C. 1681c2, requiring Experian to BLOCK and DELETE all information resulting from identity theft within 4 business days. You have already received my : Government ID Social Security documentation Full FTC Identity Theft Report Signed affidavit with wetink signature Yet Experian continues to report fraudulent accounts WITHOUT providing validation. This is a direct violation of federal law. 
ACCOUNTS TO BE BLOCKED & DELETED IMMEDIATELY XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Fraudulent amount : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent amount : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent amount : {$5300.00} XXXX XXXX XXXX XXXX XXXX  XXXX Fraudulent amount : {$3300.00} XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Fraudulent medical debt : {$830.00} XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Fraudulent medical debt : {$1100.00} XXXX. XXXX XXXX XXXX XXXX Acct # XXXX Fraudulent medical debt : {$1100.00} LEGAL VIOLATIONS : 15 USC 1681c2 Mandatory identity theft block within 4 days 15 USC 1692g No validation provided 15 USC 1692cc Continued collection of disputed debt 15 USC 1681i ( 7 ) I demand the Method of Verification 15 USC 1681e ( b ) Failure to maintain maximum possible accuracy CFPB Medical Debt Rule Medical debts may not report without validation DEMAND : I am demanding IMMEDIATE deletion of ALL accounts listed. You have NO permissible purpose to continue reporting identity theft accounts after receiving full FTC documentation. 
Failure to comply will result in : CFPB complaints FTC escalation State Attorney General filings Civil action under 1681n and 1681o Respectfully, 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 2025-11-19 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: SC

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this formal complaint because several furnishers are reporting inaccurate, unverified, and harmful information on my credit report. I have previously disputed these items, but the furnishers have failed to conduct a lawful and reasonable investigation as required under the Fair Credit Reporting Act. 

Below are the accounts that are being reported inaccurately.

Late Payment Accounts Incorrect Reporting The following accounts are reporting late payments that never occurred. I dispute these entries because the payment histories are wrong. I have never made late payments on these accounts, and I am requesting immediate correction. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX Issue : Reporting late payments that are false and unverified. I have never been late. Update the account history to reflect no late payments. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX Issue : Reporting late payments that are inaccurate. I have never been late. This history must be corrected.

Charge Off Accounts Not Mine The following accounts do not belong to me. I have no knowledge of these accounts, and the furnishers have not provided any proof or documentation verifying ownership. Unverified accounts must be deleted under FCRA requirements. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account. It must be deleted. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account. It must be deleted. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I have no knowledge of this account. It must be deleted. 

FCRA Violations The furnishers and credit bureaus have violated the following FCRA sections.

Section 1681e ( b ) : Failure to maintain accurate information Section 1681i ( a ) : Failure to perform a reasonable reinvestigation Section 1681s-2 ( b ) : Failure of furnishers to correct inaccurate data Section 1681c : Reporting unverified or erroneous information These violations have caused financial harm, lowered credit scores, and unnecessary stress. 

Requested Action I am requesting that the CFPB require the furnishers and the credit bureaus to : Correct the inaccurate late payment reporting Delete all unverified and incorrect charge off accounts Provide written confirmation of the corrections and deletions Ensure full compliance with the Fair Credit Reporting Act Thank you for your attention. I request a prompt investigation and resolution.

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 2025-11-19 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 am filing a complaint regarding inaccurate and improper credit reporting by XXXX XXXX XXXX. 

I stopped paying on this account in XXXX due to financial hardship. My last payment was XX/XX/XXXX ( TransUnion shows XX/XX/XXXX, Equifax shows XX/XX/XXXX ). 

After that date, XXXX stopped reporting entirely for multiple years. Then, without notice, they began reporting negative information again starting in XXXX, and have continued updating it with monthly derogatory remarks through XX/XX/XXXX. 

Why this is a violation A furnisher can not pause reporting for years and then restart negative reporting without verifying the information and without notifying the consumer. 

This creates the appearance of new delinquency and damages credit unfairly. 

This can be considered re-aging under the Fair Credit Reporting Act ( FCRA ), which is illegal. 

The account shows : Unknown reporting from XX/XX/XXXX XX/XX/XXXX Then suddenly begins derogatory reporting in XX/XX/XXXX through XX/XX/XXXX This pattern violates the accuracy and consistency requirements of FCRA 623.

I have not received any validation, notices, or communication from XXXX regarding renewed negative reporting. 

The date of first delinquency ( DOFD ) is in XXXX, which means : All negative reporting must follow from that date No new derogatory entries can be added that extend the 7-year reporting window No activity after the DOFD resets the clock This appears to be a clear case of illegal re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am filing a complaint regarding inaccurate and improper credit reporting by XXXX XXXX XXXX. 

I stopped paying on this account in XXXX due to financial hardship. My last payment was XX/XX/XXXX ( TransUnion shows XX/XX/XXXXXXXX XXXX shows XX/XX/XXXX ). 

After that date, XXXX stopped reporting entirely for multiple years. Then, without notice, they began reporting negative information again starting in XXXX, and have continued updating it with monthly derogatory remarks through XX/XX/XXXX. 

Why this is a violation A furnisher can not pause reporting for years and then restart negative reporting without verifying the information and without notifying the consumer. 

This creates the appearance of new delinquency and damages credit unfairly. 

This can be considered re-aging under the Fair Credit Reporting Act ( FCRA ), which is illegal. 

The account shows : Unknown reporting from XX/XX/XXXX XX/XX/XXXX Then suddenly begins derogatory reporting in XX/XX/XXXX through XX/XX/XXXX This pattern violates the accuracy and consistency requirements of FCRA 623.

I have not received any validation, notices, or communication from XXXX regarding renewed negative reporting. 

The date of first delinquency ( DOFD ) is in XXXX, which means : All negative reporting must follow from that date No new derogatory entries can be added that extend the 7-year reporting window No activity after the DOFD resets the clock This appears to be a clear case of illegal re-aging.

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 2025-11-19 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have noticed that there is a fraud account from Bank of America, which does not belong to me.

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 2025-11-19 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
TransUnion is reporting a collection account from XXXX XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX using an incorrect furnisher address. TransUnion lists the address as XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX, but the collectors real address is XXXX XXXX XXXX XXXX which prevents any valid verification under FCRA 611. Because verification requests are being sent to the wrong address, TransUnion can not lawfully verify this tradeline. 

The collector, XXXX XXXX XXXX XXXX, is not licensed in Oklahoma, which means they can not legally collect or furnish information under the Oklahoma Collection Agency Act ( 24 O.S. 110123 ). An unlicensed collector is not authorized to furnish or verify data under FCRA 623. 

This account was paid in full and closed on XX/XX/year>, yet TransUnion continues to report it as open, which is inaccurate and harmful. 

I requested deletion due to : Wrong furnisher address ( prevents verification ) Unlicensed collector status Inaccurate reporting of an account that is paid/closed Failure to conduct a reasonable investigation I am requesting the CFPB to require TransUnion to delete the tradeline immediately due to FCRA 611 ( a ) ( 5 ) ( A ) ( unverified information must be deleted ).

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 2025-11-19 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: NJ

Complaint narrative:
I am requesting an investigation into the following accounts that are inaccurately or incompletely reported on my credit report. These accounts require correction : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incorrect or incomplete reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incomplete account status reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} Dispute Reason : Incorrect reporting of account status. 

XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Dispute Reason : Incorrect balance reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Dispute Reason : Inaccurate account reporting. 

XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}

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 2025-11-19 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: GA

Complaint narrative:
Dear Sir/Madam, I am disputing inaccurate information on my TransUnion credit report. The following accounts contain discrepancies that violate the Fair Credit Reporting Act ( FCRA ), and I request that you conduct a full investigation.

FCRA Violations : 1. Incomplete or Inaccurate Information : Many accounts contain incomplete or inaccurate information, violating Section 1681e ( b ) of the FCRA.

2. Data Breach Concerns : Some accounts show signs of data breaches or errors, violating Section 1681c of the FCRA.

3. Failure to Investigate Disputes : Several accounts marked as " disputed '' were not properly investigated within the legally required time frame, violating Section 1681i of the FCRA. 
Disputed Accounts on TransUnion Report XXXX. XXXX o Account Type : Revolving o Account Status : Positive o Discrepancies : Incorrect reporting of " positive '' payment history. 
XXXX. XXXX XXXX XXXX XXXX Account Type : Installment o Account Status : Positive o Discrepancies : Incorrect balance for this account. 
XXXX XXXX XXXX XXXX ( XXXX XXXX ) o Account Type : Collection o Account Status : Negative o Discrepancies : This account was settled, but it still shows as unpaid and in collection. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) o Account Type : Collection o Account Status : Negative o Discrepancies : Marked " disputed '' and " charged off '' in error. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Account Type : Collection o Account Status : Negative o Discrepancies : Incorrectly reported as " charged off. '' Verification of Identity : I have included copies of my ID and proof of address for verification.

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 2025-11-19 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 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: GA

Complaint narrative:
I am writing to formally dispute certain accounts and inquiries appearing on my credit report. I respectfully request a thorough investigation into the following discrepancies, as they appear to be inaccurate or incomplete. These issues have a direct and negative impact on my credit score, and I am seeking timely resolution in accordance with the Fair Credit Reporting Act ( FCRA ). 


Charged Off Accounts : [ No entries provided ] Inquiries : XXXX, XX/XX/year> Positive Accounts : [ No entries provided ] Late Payments : 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