vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: 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 2025-07-19 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: IL

Complaint narrative:
Equifax received my dispute on XX/XX/year>, detailing multiple accounts and identifiers that violate Metro 2 standards, FCRA 1681i ( a ) ( 5 ), and consumer rights under FDCPA. The items in question are not factually verified and are reported with incomplete or inconsistent data, such as mismatched account numbers and unverifiable creditors. 

Equifax has refused to remove derogatory data, including accounts from XXXX XXXX, XXXX, XXXX XXXX, and XXXX, despite no original signed contracts or lawful reporting compliance. They have also ignored my lawful cease and desist regarding employer data and outdated addresses.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

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 2025-07-19 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file for XXXX XXXX XXXX ending in XXXX. Specifically, I have been reported as late on a payment when, in fact, I was never late. This reporting is not only incorrect but may also be in violation of federal law, including 15 U.S. Code 1666b ( regarding the timing of payments ) and 15 U.S. Code 1637a ( governing terms of credit card accounts ).

I request that this inaccurate information be investigated and corrected promptly in accordance with the Fair Credit Reporting Act and applicable federal statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file for XXXX XXXX XXXX ending in XXXX. Specifically, I have been reported as late on a payment when, in fact, I was never late. This reporting is not only incorrect but may also be in violation of federal law, including 15 U.S. Code 1666b ( regarding the timing of payments ) and 15 U.S. Code 1637a ( governing terms of credit card accounts ).

I request that this inaccurate information be investigated and corrected promptly in accordance with the Fair Credit Reporting Act and applicable federal statutes

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 2025-07-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
Upon careful review of my credit report, I discovered a fraudulent account that I did not open or authorize. I am not liable for any activity related to this account and believe it was opened without my consent.

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 2025-07-19 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: OR

Complaint narrative:
Someone has stolen my identity to apply for XXXX personal loans under my name. First XXXX opened on XX/XX/year> under name XXXX and second one opened on XX/XX/year> under XXXX XXXX XXXX. 
They failed to repay the loans which affected my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: OR

Complaint narrative:
Someone has stolen my identity to apply for XXXX personal loans under my name. First XXXX opened on XX/XX/2025 under name XXXX and second one opened on XX/XX/2025 under XXXX XXXX XXXX. 
They failed to repay the loans which affected my credit score.

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 2025-07-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Someone has stolen my identity to apply for XXXX personal loans under my name. First XXXX opened on XX/XX/year> under name XXXX and second one opened on XX/XX/year> under XXXX XXXX XXXX. 
They failed to repay the loans which affected my credit score.

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 2025-07-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified an account on my credit report that was created without my knowledge or consent. I am a victim of identity theft, and this account is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint supplements my original CFPB complaint ( # XXXX ) against Equifax filed on XX/XX/year>. I received a mailed response denying my identity theft block request under FCRA 605B. They failed to comply with the FCRA, and the fraudulent accounts remain. 

I am attaching their denial letter and my formal legal rebuttal demanding immediate deletion. Please treat this as a request for enforcement and escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received this letter a few days ago that American Express is closing my account ending in XXXX, it doesnt make any sense. It states that during a recent review, they determined that the dispute was not done in good faith, thats not correct, they didnt even call me to verify this, I was putting all of my expensive Charges on American Express and I was going to use their cashback, but this is ridiculous and doesnt make no sense, my dispute was done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

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 2025-07-19 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: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against BMO Bank for their failure to properly investigate a legitimate authorized transaction dispute involving an ATM withdrawal. The issue arose when I attempted to withdraw funds from a ATM, and no cash was dispensed, yet my account was still debited for the full amount. 

I submitted a dispute to BMO, clearly stating that this was not an unauthorized transaction, but rather a machine errorthe ATM did not release the funds. However, BMO improperly treated my claim as an unauthorized transaction dispute and subsequently denied it based on irrelevant and inaccurate justifications, such as : The card was present during the transaction. 
Your PIN was used. 

These points are not valid grounds to deny the claim, as they are only relevant to unauthorized transactions. XXXX XXXX  My dispute was regarding an ATM malfunction XXXX XXXX  not fraudulent use. 

As a result of BMOs mishandling and misclassification of the dispute, the bank refused to credit back the funds, resulting in my account being overdrawn and eventually closed with a negative balance. I believe BMO failed to comply with their obligations under Regulation E, which requires banks to conduct a reasonable investigation and determine whether an error occurred.

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 2025-07-19 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: Freedom Mortgage Company
State: TX

Complaint narrative:
To : Freedom Mortgage Corporation Attn : Credit Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Date : XX/XX/XXXX Re : Account # XXXX Credit Reporting Dispute under FCRA 623 Dear Freedom Mortgage Corporation, I am contacting you under the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), regarding the inaccurate and incomplete credit reporting of my former FHA mortgage account ( ending in 1210 ) as it appears on my XXXX credit report. 

Your company is reporting this account with the following inaccuracies and omissions : Credit Reporting Issues : Missing Critical Account Information : No balance, original balance, monthly payment, or highest balance is reported. 

These are required fields under the Metro 2 format for furnishers and failure to furnish them renders the tradeline misleading. 

Inaccurate Loan Term : The account is listed with a 46-year term, which is highly irregular for an FHA mortgage and likely reflects a data furnishing error. 

Isolated Derogatory Remark : A XXXX late payment is reported in XX/XX/XXXX, immediately prior to the account being marked Paid, Closed in XX/XX/XXXX. No contextual payment history or supporting information is shown before or after, making this negative remark potentially deceptive and unsupported.

Incomplete Closure Information : The tradeline lacks the final payment date, payoff amount, and other closure-related fields required for accurate reporting under Metro 2 and FCRA 1681e ( b ).

Required Actions : As a furnisher of data to Experian, you are required under FCRA 623 ( a ) ( 2 ) to promptly investigate and correct any inaccurate or incomplete information you have provided. I am requesting that you : Fully investigate the credit reporting issues listed above. 

Correct or delete the account tradeline on my credit report if the data can not be verified or completed in compliance with the law. 

Provide written confirmation of the results of your investigation, including whether updated information was furnished to XXXX. 

If you fail to respond within 30 days, or continue to furnish inaccurate data, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and reserve the right to pursue all available remedies under FCRA 1681n and 1681o. 

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 2025-07-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NJ

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 

I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
In reviewing my credit reports in XXXX and XX/XX/year>, I discovered that my federal student loans are being reported multiple times across different servicers, including XXXX, XXXX, and XXXX. These duplications appear under different account numbers but represent the same original Department of Education loans, resulting in inflated balances and a misrepresentation of my overall debt. 

Between XXXX and XX/XX/year>, I submitted disputes to the credit reporting agencies ( XXXX, XXXX, XXXX ) and contacted the servicers requesting verification and correction. To date, no action has been taken to resolve the duplicate reporting. This is affecting my debt-to-income ratio, credit utilization, and eligibility for financial products and housing. 

I am requesting a full investigation, validation of the accurate and current servicer, and removal of all duplicate student loan entries from my credit reports under the Fair Credit Reporting Act ( FCRA ). I am also requesting confirmation from the servicers that they have coordinated with the Department of Education or XXXX to reflect only accurate and non-redundant loan data. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. Once a dispute is filed, credit reporting agencies are required to conduct a reasonable reinvestigation within 30 days. If the information in question is found to be inaccurate, incomplete, or unverifiable, it must be deleted or corrected. Additionally, data furnishers, such as student loan servicers like XXXX, XXXX, and XXXX, are prohibited from reporting information they know or reasonably should know is inaccurate. If these accounts are duplicative or were transferred among servicers, only the current servicers account should appear on my credit report. Multiple entries for the same obligation are misleading and inflate my reported debt, which is a violation of FCRA accuracy standards. 

Furthermore, under the Uniform Commercial Code ( UCC ) 9-210, I have the right to request an accounting of the obligation and a verification of the entity currently servicing or owning the debt. This supports my request that each reporting entity provide documentation validating the accuracy of the account they are reporting. If any servicer is reporting a transferred, closed, or reassigned loan, that account should be removed immediately to comply with federal law. These duplications are causing material harm to my creditworthiness and must be corrected without delay.

Company response to consumer: Untimely response