vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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:
I am writing to formally dispute the information reflected in my credit file. The file contains multiple inaccuracies, including names, addresses, and accounts that do not belong to me. These entries are clearly the result of identity theft and were fraudulently established while I was still a minor.

This situation is deeply distressing, especially as I am at the very beginning of my financial journey. Upon legal consultation, I have been advised to invoke my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must permanently block information resulting from identity theft once properly notified :

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 2025-07-23 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 am deeply troubled by the apparent errors, lack of updates, and the absence of verification in the negative items reported under my name. I believe it is important to emphasize the importance of accurate and verified information in credit reporting, as these discrepancies can have far-reaching consequences on my financial standing and overall creditworthiness.

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 2025-07-23 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-23 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Barclays Bank Delaware violated FCRA 1681s-2 ( a ) ( 7 ) by reporting negative information about my account to credit bureaus without first notifying me in writing. 

The account ending in XXXX was reported with 30-day late payments to XXXX  and XXXX, with inconsistent dates : XXXX  : XXXX, XXXX, and XX/XX/XXXX XXXX  : XXXX and XX/XX/XXXX, XX/XX/XXXX However, I never received any prior written notice from Barclays informing me they would be reporting this derogatory information to any consumer reporting agency. 

This is a direct violation of the Fair Credit Reporting Act. Under 1681s-2 ( a ) ( 7 ), creditors are required to provide written notice to a consumer no later than 30 days after first furnishing negative information. 

Their failure to do so deprived me of the opportunity to resolve or dispute the matter before it caused damage to my credit profile. The inconsistency between reporting bureaus and the complete lack of reporting to XXXX  further suggests unreliable and unverifiable data, also violating FCRA 607 ( b ). 

I filed disputes, but XXXX  responded with dispute resolved, consumer disagrees and provided no documentation, indicating a lack of proper reinvestigation as required under FCRA 611 ( a ).

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 2025-07-23 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: TX

Complaint narrative:
I've identified some accounts on my credit report that are unfamiliar to me and were not authorized. These may have resulted from identity theft. Ive contacted you about this issue in the past and am now formally requesting that these accounts be deleted from my report as soon as possible. The stress caused by their presence is significant, especially since they dont reflect my financial habits or credit history. If we cant come to a resolution, Im willing to take legal action to protect my interests. These incorrect entries are standing in the way of major financial plans, such as homeownership and providing for my family. I hope this can be resolved without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-07-23 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ND

Complaint narrative:
To Whom It May Concern, This is my second request to update my personal information with your agency. Under 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies are obligated to exercise their responsibilities with fairness, impartiality, and a strong respect for the consumer 's right to privacy.

I hereby demand that you delete all personally identifiable information from my credit file, with the exception of the following : 1. Full Legal Name : [ First and Last Name ] 2. Current Address : [ Your Address, City, State, ZIP ] Please remove all outdated and inaccurate addresses from my file, as I no longer reside at those locations, nor can I receive correspondence sent to those addresses. I request that my file be updated with the above-listed address only.

Additionally, I request that you remove all phone numbers from my credit report except for my primary contact number, which is : Phone Number : ( XXXX ) XXXX 
Please delete any and all other phone numbers associated with my account. 
For privacy reasons, I demand that my Social Security Number ( SSN ) and date of birth be removed from display within the credit file.

Also, please delete any and all information in the " Employer '' section.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq., I am entitled to privacy and protection as a federally protected consumer. Failure to respect my privacy rights, as outlined in 15 USC {$1600.00}, is a violation of federal law.

Once the updates have been made, I request that you provide me with an updated copy of my credit report reflecting these changes.

My contact details are as follows : Name : [ First Name, Last Name ] SSN : XXXX Address : [ Your Address ] Thank you for your prompt attention to this matter. 
Sincerely, ( Your Name ] Enclosed : Copy of State ID and Utility Bill ( to verify address )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: AZ

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-23 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:
On Monday XX/XX/year> I paid off the account XXXX  XXXX XXXX. I contacted Experian, Equifax and TransUnion to have the balance updated. 


Experian failed to properly investigate the payment and returned results in 24 saying no change. They are required by law to report maximum accuracy and they are violating my rights. 
I am requesting a proper reinvestigstion I am demanding the balance be updated to zero. 
They have failed to update the balance to zero despite providing the information to verify the payment. 

I paid the account with the attorney XXXX XXXX XXXX. Their number is XXXX Attorney XXXX & XXXX XXXX took my payment over the phone Account number XXXX XXXX paid {$4000.00} Attached is the email receipt for the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
On Monday XX/XX/year> I paid off the account XXXX  XXXX XXXX. I contacted Experian, Equifax and TransUnion to have the balance updated. 


Experian failed to properly investigate the payment and returned results in 24 saying no change. They are required by law to report maximum accuracy and they are violating my rights. 
I am requesting a proper reinvestigstion I am demanding the balance be updated to zero. 
They have failed to update the balance to zero despite providing the information to verify the payment. 

I paid the account with the attorney XXXX XXXX XXXX. Their number is XXXX Attorney XXXX & XXXX XXXX took my payment over the phone Account number XXXX XXXX paid {$4000.00} Attached is the email receipt for the payment.

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date : XX/XX/year> Subject : Dispute of XXXX XXXX XXXX Ally Financial XXXX Acct XXXX XXXX Dear XXXX, I am writing to formally dispute inaccurate and outdated information being reported on my credit file in relation to Ally Financial XXXX ( Creditor Address : XXXX XXXX XXXX, XXXX, MN XXXX | Phone : ( XXXX ) XXXX ). 
This account is inaccurately listed as a charge-off with an incorrect balance. In fact, this is a paid charge-off, and the account has not been properly updated for years. Furthermore, Ally Financial has failed to supply a requested IRS XXXX XXXX, which is typically issued for charged-off debt. This failure reflects multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX XXXXXXXX ( c ) ( XXXX ) regarding outdated adverse information XXXX XXXX XXXXXXXX ( a ) failure to conduct reasonable investigation upon dispute XXXX XXXX. XXXX ( b ) furnishers duties to correct and update information Additionally, I have filed a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) regarding this matter, and I am preparing to take legal action against all responsible parties under my rights to litigate for damages under the FCRA. 
Please immediately investigate this dispute, remove the inaccurate entry from my credit report, and send me a written confirmation upon resolution. Failure to comply XXXX result in litigation. 
Attached Documents : Copy of Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for IRS XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account with XXXX that is not reporting accurately or consistently across all agencies. I see multiple late payments on an account that was in fact paid on time as agreed. The consumer reporting agencies must report all information accurately. I have attached a copy of my report to the complaint on the following dates XXXX, XXXX, and XXXX of XXXX. I would like to request your agency investigates this account and updates the payment history to paid on time immediately. Thank you for your understanding and prompt actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account with XXXX that is not reporting accurately or consistently across all agencies. I see multiple late payments on an account that was in fact paid on time as agreed. The consumer reporting agencies must report all information accurately. I have attached a copy of my report to the complaint on the following dates XXXX, XXXX, and XXXX of XXXX. I would like to request your agency investigates this account and updates the payment history to paid on time immediately. Thank you for your understanding and prompt actions.

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 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing multiple entries on my credit report from Portfolio Recovery Associates that are reported under different accounts. These debts were acquired over 710 years ago while I was married, and I have not received any documentation proving these accounts are legally mine despite chronic disputes.

Under the Fair Credit Reporting Act ( FCRA ), debts this old should no longer be appearing on my credit report, as they are well past the 7-year reporting limit for derogatory accounts. I also believe this may be a case of re-aging, where old debts are repeatedly reported as newer than they actually are, which is illegal. In addition, this collections company has harassed me by calling multiple times a day, sometimes at XXXX and have contacted family members. I have asked them to cease all calls to no avail.

I request a full investigation and removal of these accounts from my credit report unless the collector can prove the debt is valid, legally mine, and within the allowed reporting period. Additionally, I would like verification that the collector followed all FDCPA ( Fair Debt Collection Practices Act ) requirements and did not misrepresent or fail to validate the debt when requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I disputed XXXX XXXX XXXX & XXXX XXXX XXXX on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 XXXX XXXX and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8, I do not have any outstanding obligations to these organizations, and I insist on the prompt elimination of the disputed items and inquiries to rectify my credit file. Kindly resolve this issue immediately and provide written confirmation once the contested entries have been removed from my record.

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