vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am requesting removal of inaccurate and outdated addresses on my credit report. 
These addresses do not belong to me or are no longer associated with any active accounts. Under the FCRA requirement for maximum possible accuracy, I am requesting immediate deletions. My current address is verified in the attached documents. Equifax

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting removal of inaccurate and outdated addresses on my credit report. 
These addresses do not belong to me or are no longer associated with any active accounts. Under the FCRA requirement for maximum possible accuracy, I am requesting immediate deletions. My current address is verified in the attached documents. Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of XXXX  law.

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 2025-11-28 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: VA

Complaint narrative:
I am formally disputing the inaccuracies appearing on my credit report, as they are directly harming my financial standing and overall creditworthiness. Despite multiple attempts to address and correct these problems, the same errors continue to reappear. These repeated inaccuracies are negatively affecting my XXXX XXXX and limiting my ability to secure financial opportunities. 

It is essential that these issues be fully reviewed, investigated, and corrected immediately. If these matters are not resolved promptly, I will have no choice but to pursue legal action for any resulting damages, including seeking compensation for violations of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-28 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-11-28 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-28 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX -- - Company Being Complained About Capital One Account ending : XXXX Credit Reporting Agencies : XXXX, XXXX, XXXX  Category : Incorrect Information on Credit Report -- - Complaint Statement Capital One is furnishing inaccurate information regarding a credit card account XXXX through my XXXX  XXXX Bankruptcy. 

Although the account status shows XXXX through Bankruptcy XXXX XXXX as of XX/XX/XXXX, Capital One continues to report : Past-due payments XX/XX/XXXX through XX/XX/XXXX New delinquencies reported after bankruptcy filing Reporting derogatory history after legal debt extinguishment Missing balance and term data that contradicts delinquency reporting This violates bankruptcy reporting rules and is not verifiable, not complete, and not accurate.

-- - Legal Violations FCRA 1681e ( b ) duty to maintain maximum accuracy FCRA 1681i failure to properly reinvestigate FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be incorrect UDAAP unfair and deceptive credit reporting practices Bankruptcy Code 524 discharge injunction prohibiting continued collection activity Late reporting after a discharge is considered continued collection activity. 
-- - Harm Done These inaccurate delinquencies : Severely reduce my credit score Prevent fair lending opportunities Misrepresent my creditworthiness -- - What I Already Did I disputed with the credit bureaus. Capital One verified incorrect data without evidence, further violating reinvestigation requirements.

-- - Requested Resolution I request immediate regulatory enforcement requiring Capital One to : 1 Remove the account completely from all bureaus OR 2 Update to accurately reflect : XXXX in Bankruptcy only Zero balance No delinquency reporting after discharge All negative payment history removed within bankruptcy scope Provide written confirmation to me once corrected. 


-- - Certification I certify this is true to the best of my knowledge. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payments that continue to appear on my credit report. This is the second time I have disputed these errors with all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

Despite my prior dispute and submission of supporting documentation, the late payment entries remain on my file. These entries are incorrect, unverifiable, and negatively impacting my credit standing.

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 2025-11-28 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate late payments that continue to appear on my credit report. This is the second time I have disputed these errors with all three major credit bureaus ( Experian, Equifax, and TransUnion ). 

Despite my prior dispute and submission of supporting documentation, the late payment entries remain on my file. These entries are incorrect, unverifiable, and negatively impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was charged Collateral Protection Insurance ( CPI ) on my BECU auto loan even though I had active insurance during the same period. XXXX paid {$41000.00} toward my loan, but BECU added an {$8000.00} CPI charge that has never been fully corrected, despite partial adjustments. I submitted proof of insurance and proof of payout to BECUs third-party partner XXXX XXXX  as instructed, including emails documenting my submissions. The CPI charge may have resulted from a VIN mismatch, but this is not my fault. I am not disputing a debt ; I am requesting that the false CPI charge be removed, my loan balance corrected, and any resulting interest or fees adjusted. Despite following BECUs instructions, the issue remains unresolved, and I have received calls from unknown parties regarding this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS 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 XXXXXXXX -- {$760.00} -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-28 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS 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 XXXXXXXX -- {$760.00} -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I reviewed my Equifax credit report dated XX/XX/XXXX, and found multiple inaccuracies, unauthorized personal information, unverifiable negative accounts, and hard inquiries that I did not authorize. These errors are negatively affecting my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). I have attempted to resolve these issues, but Equifax has failed to provide proper verification or documentation. 

First, several incorrect names appear on my report, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These are not accurate representations of my legal name and should not be associated with my file. Additionally, outdated addresses such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain listed even though I have not lived at these locations for years. Several unauthorized phone numbers also appear on my credit file without my consent. 

There are multiple accounts reporting inaccurate or unverifiable information. My XXXX XXXX XXXX XXXX XXXX loan is reporting XXXX and XXXX late payments for XXXX and XX/XX/XXXX that are incorrect. XXXX XXXX XXXX credit card accounts are showing late-pay notations in XXXX and XX/XX/XXXX, which I dispute. Multiple XXXX student loan tradelines show past delinquencies even though these loans are in federal deferment until XXXX. Deferred federal student loans must report as current. 

Closed and chargedoff accounts are also being reported inaccurately. XXXX XXXX XXXX is reporting both a chargedoff installment loan and a chargedoff creditcard account without providing any signed contracts or proof that these debts belong to me. XXXX XXXX XXXX is reporting XXXX accounts with balances of {$1300.00} and {$2500.00}, both of which I dispute. XXXXXXXX XXXX XXXX is reporting a card account as over XXXX  days past due even though I have never received any validation. XXXX XXXX and XXXX XXXX are also reporting negative accounts without providing documentation. 

My report also contains numerous hard inquiries from XXXX through XXXX that I did not authorize. These furnishers include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, and others. Equifax has failed to provide signed authorization or proof of permissible purpose for these inquiries. 

I have asked Equifax to perform a manual reinvestigation, as required by 15 U.S.C. 1681i, but they continue to rely on automated eOSCAR responses instead of contacting data furnishers directly. No actual verification documents have been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-28 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: OK

Complaint narrative:
Disputed Accounts ( Charged-Off ) : XXXX XXXX, Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX Account # XXXX, XX/XX/XXXX, {$0.00} XXXX, Account # XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, Account XXXX XXXX, XX/XX/XXXX, {$2000.00} XXXX, Account # XXXX, XX/XX/XXXX, {$1200.00} XXXX, Account # XXXX, XX/XX/XXXX, {$2500.00} XXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, Account # XXXX, XX/XX/XXXX, {$1000.00} XXXX, Account # XXXX, XX/XX/XXXX, {$760.00} Disputed Inquiry : XXXX, XX/XX/XXXX Statement : I am disputing the accuracy and validity of the above accounts and inquiry as reported on my TransUnion credit report. 

Specifically : Some accounts may reflect incorrect balances, dates, or charged-off statuses. I request that TransUnion provide verification directly from the original creditors, including documentation that substantiates these claims. 

If any account or inquiry can not be fully verified, it must be corrected or deleted immediately in accordance with the FCRA, Sections 609 and 611.

This request includes reviewing any inquiries or duplicate reporting that may not be authorized or verified.

Please provide written confirmation of the investigations results and update my credit report to reflect accurate, verified 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 explanation
Consumer complaint received 2025-11-28 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: UT

Complaint narrative:
I, XXXX XXXX XXXX am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief