vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-10-31 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against the credit reporting agencies and data furnishers for reporting inaccurate and unverifiable addresses on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the legal right to a credit report that is accurate, complete, and verifiable. The presence of these incorrect addresses represents a serious violation of that right. 

The following addresses have been wrongly reported on my credit file and are not associated with me in any way : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Wrong Address ( Duplicate Entry ) XXXX XXXX XXXX, XXXX, CA XXXX Wrong Address ( Duplicate Entry ) These addresses are completely inaccurate and unverifiable, and their continued presence on my report raises serious concerns about the accuracy and integrity of my personal credit information. I have no knowledge or connection to these locations, and their appearance could indicate potential identity theft, mixed files, or data mishandling by the reporting agencies or furnishers. 

I previously attempted to resolve this issue directly with the credit bureaus, but the addresses remain. This constitutes a failure to conduct a reasonable reinvestigation, as required by FCRA 611 ( 15 U.S.C. 1681i ).

I am requesting that the CFPB immediately investigate this matter and ensure that all inaccurate and unverifiable addresses are permanently deleted from my credit file. These errors not only violate my rights under federal law but also harm my personal and financial reputation.

Requested Action : Conduct a thorough investigation into the credit bureaus failure to maintain accurate address information. 

Require the removal of the above-listed inaccurate addresses from my credit file. 

Ensure compliance with all provisions of the FCRA regarding data accuracy and consumer rights. 

Please confirm receipt of this complaint and provide me with written acknowledgment of your investigations initiation and findings. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved swiftly and in full compliance with federal consumer protection laws.

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 2025-10-31 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against Experian and TransUnion for the continued and unlawful reporting of a fraudulent account : XXXX XXXX Account # XXXX, currently marked as a charge-off. This account does not belong to me. I have no knowledge of it, never opened it, and have no relationship with XXXX XXXX Bank. The fact that it appears only on Experian and TransUnion suggests a mixed file or identity error that directly violates federal reporting standards. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy in consumer files. Reporting an account that is not mine and inconsistent between two bureaus shows a clear failure to meet that legal standard. The XXXX XXXX Compliance Guidelines, established by the XXXX XXXX XXXX XXXX ( XXXX ), specifically require furnishers and bureaus to ensure that data corresponds to the correct consumer and that charge-off reporting must be uniform, verifiable, and supported by original creditor records. 

This account also violates the Consumer Financial Protection Bureau ( CFPB ) guidance issued in XXXX and reinforced in XXXX, reminding furnishers that mismatched or unverifiable data constitutes a compliance failure. Recent enforcement actions including CFPB v. TransUnion ( XXXX ) and CFPB v. Experian ( XXXX ) reaffirm that failing to correct disputed or unverified tradelines after notice from the consumer is a willful violation of federal 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 2025-10-31 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-31 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: NY

Complaint narrative:
I am writing to dispute the following account listed on my Equifax credit report. The account is reported as charged-off, and I believe this information may be inaccurate : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$450.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
" COLUMBIA DEBT RECOVERY '' ( XXXX  XXXX # XXXX ) states I owe {$10000.00}. I was never served paperwork, a lien, notice, etc. I pulled a report from the local jurisdictional court that outlines this amount to be false. I validated with documents that I have never done business with this organization and they have made repeated phone calls to me, my mother, and made demands for money under the premise of threat of lawsuit, arrest, and " destroying my credit '' The original debt * was * owed to " XXXX XXXX '' in the amount of {$2400.00}. The attached reports show I made notice to the original vendor about my move out, the lease violations documented, XXXX  XXXX  revoking my ability to pay the alleged debt, and the court order stating all that would have been owed is {$2400.00}. This agency is taking threatening tactics to intimidate my mother and I into paying a debt not owed. Under 15 U.S.C. 1681C-2 and the FRCA this is not only illegal, but needs corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: GA

Complaint narrative:
CFPB COMPLAINT WebBank / OneMain ( No Reinsertion Version ) Complainant : XXXX XXXX XXXX Lower XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXXXXXX  | SSN ( last 4 ) : XXXX Phone : XXXX | Email : XXXX Credit Bureau : TransUnion LLC Account : XXXX / XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) Date : XX/XX/XXXXXXXX  Summary of Issue : This is a formal CFPB complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) related to the XXXX account. Despite prior disputes, TransUnion continues to report inaccurate and contradictory data and has failed to perform a reasonable, human reinvestigation as required by 611 ( a ).

Identified FCRA Violations : # Violation FCRA Section 1 Contradictory 'Paid in Full ' and 'Charge-Off ' Status 607 ( b ) 2 Charge-Off Reporting After Payoff / {$0.00} Balance XXXX  ( a ) ( 1 ) ( A ) 3 Re-Aging / Inaccurate DOFD ( Removal Date XXXX/XXXX ) 623 ( a ) ( 5 ) ( A ), 605 ( a ) 4 False Post-Closure Payment Activity ( e.g., XX/XX/XXXX ) 607 ( b ) 5 Failure to Conduct Human Reinvestigation 611 ( a ) Details : The account incorrectly reports as both 'paid in full ' and 'charge-off, ' a direct contradiction that violates 607 ( b ). TransUnion also shows a removal date of XXXX/XXXX well beyond the 7-year limit indicating unlawful re-aging under 623 ( a ) ( 5 ) ( A ). Additionally, payment activity is reported for XX/XX/XXXXXXXX  even though the account closed on XX/XX/XXXX. These updates are materially inaccurate and misleading. 
Requested Resolution : I request that TransUnion be directed to perform a full, manual, human-verified reinvestigation under FCRA 611 ( a ). If TransUnion can not provide written verification from XXXX supported by documentation from the furnisher, the account must be permanently deleted and not reinserted unless all provisions of FCRA 611 ( a ) ( 5 ) ( B ) are fully met. TransUnion must also correct the Date of First Delinquency and cease reporting contradictory 'charge-off ' notations post-payoff. 
I further seek statutory damages of {$1000.00} per violation ( five total = {$5000.00} ) for willful and repeated non-compliance, bringing my cumulative TransUnion total to {$24000.00} in documented violations. 
Sincerely, XXXX XXXX Date 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
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Meta Payments Inc.
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a complaint regarding the wrongful disabling of my XXXX  account ( XXXX : XXXX XXXX ) by XXXX XXXX XXXX XXXX on XX/XX/year>. I have earned approximately {$11000.00} through this account over the past eight months and use it as part of my income-generating business. The account was disabled without prior warning and in clear violation of Community Standards. I filed an appeal through XXXX XXXX mechanism at [ XX/XX/year> ], but have not received any resolution or meaningful response. As a result, I have suffered commercial losses and reputational damage. I respectfully request that you investigate this matter as an unfair or deceptive business practice and provide me with appropriate compensation. Sincerely, XXXX XXXX XXXX Mail : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXXXXXX is reporting inaccurate, unverified, and misleading information on my credit report in violation of the FCRA and the FDCPA. I previously sent a credit dispute letter to the credit reporting agencies regarding this account. In response, the credit bureaus stated that XXXXXXXX XXXX XXXXXXXX claimed the debt was verified. However, no documentation or evidence was provided to either the credit bureaus or myself. This response does not meet the verification standards required to continue collection or credit reporting activity. I have also been attempting to remedy this matter directly with XXXXXXXX XXXX XXXXXXXX outside of the disputes submitted to the credit reporting agencies. I have a paper trail of CFPB complaints dating back to XX/XX/year> documenting these attempts. Additionally, they falsely stated that at the time of their initial response, this account had not yet been reported to the credit bureaus, when in fact it was reported, and I have proof of this. 

The original creditor, XXXX XXXX, did not confirm the balance of {$1000.00} that XXXXXXXX XXXX XXXXXXXX is reporting. This further demonstrates that the information being furnished is inaccurate and unverified. 

Under 15 U.S.C. 1692g ( b ) of the FDCPA, proper verification must include : A copy of the original signed contract or agreement bearing my signature with Wise Loan ; Proof of ownership or assignment, such as a bill of sale or assignment agreement showing the legal transfer of the specific debt ; A full account history, including all payments, charges, and fees applied to the alleged account ; and Validation that the amount claimed is accurate and has not been inflated or altered after transfer. 

XXXX XXXX XXXXXXXX provided none of the above documentation.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-31 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: SC

Complaint narrative:
Even though the balance has been cleared, the report still reflects late remarks.

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