vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
This XXXX account was opened in late 2023, and a balance of {$5500.00} was reported. I have previously disputed the account because I believe there may be an error in the amount owed, the origination of the debt, or how it was reported.

Despite my dispute, the account continues to report as in collection and derogatory across all three credit bureaus. I have not been provided with full documentation or validation of the debt, including the original agreement, detailed billing statements, or a breakdown of how the balance accrued. 

There are also reporting inconsistencies, including : Equifax shows multiple OK payments before the charge-off, which contradicts the XXXX delinquency. 

Experian reports Chargeoff from the first month with no payment record at all. 

All bureaus still list the account as disputed, despite the investigation being marked resolved. 

I have attempted to resolve this matter with the creditor but have received no clear response or itemized verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Reinvestigation Procedures and Validation of Disputed Credit Report Items I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. I am requesting a complete and legally required explanation of the procedures your agency used to verify certain items on my credit report.

Under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to a full description of the reinvestigation process, including : The name, address, and ( if available ) telephone number of any furnisher of information that was contacted, The documentation used in the verification process, and The name of the individual who verified the disputed data. 

Despite submitting prior disputes, the following items continue to report inaccurately, and I have not received the necessary reinvestigation information or evidence : Disputed Items : Bankruptcy Reporting XXXX XXXXXXXX Bankruptcy Case Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments ( Closed/Paid ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Offs XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employer 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 2025-06-24 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Reinvestigation Procedures and Validation of Disputed Credit Report Items I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. I am requesting a complete and legally required explanation of the procedures your agency used to verify certain items on my credit report.

Under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am entitled to a full description of the reinvestigation process, including : The name, address, and ( if available ) telephone number of any furnisher of information that was contacted, The documentation used in the verification process, and The name of the individual who verified the disputed data. 

Despite submitting prior disputes, the following items continue to report inaccurately, and I have not received the necessary reinvestigation information or evidence : Disputed Items : Bankruptcy Reporting XXXX XXXXXXXX Bankruptcy Case Number : XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments ( Closed/Paid ) XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-Offs XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Personal Information Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
1. About XXXX XXXX XXXX XXXX, XX/XX/XXXX, I tried about 4 XXXX transactions to move money ( around {$1000.00} each ) from Charles Schwab bank but all failed.

2. Fri, XX/XX/XXXX, XXXX, XXXX XXXX bank sent this Email, " Dear XXXX, For your protection, we've suspended your XXXX profile.

This is due to adverse activity reported on your profile.

If you have any questions or would like to discuss reactivation of the service, please contact us at XXXX. 
Sincerely, Charles Schwab Bank , XXXX ''. 

3. But they block my online account with Charles Schwab. Not just XXXX profile. 

4. I called them around XXXX XXXX on XX/XX/XXXX and got an advice to visit a Schwab bank local office for identification and submission of source of funds.

5. In the morning of XX/XX/XXXX, I visited a Schwab local office to show one of the local employees my CA Driver 's License for identification. I also provided my XXXX tax reports and XXXX bank statements as source of funds ( about {$2300.00} ) to Schwab checking account.

But that employee said they can not unblock my account and gave me no timeline regarding the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 

XXXX XXXX XXXX and LATE PAYMENTS I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately. 

I request this under XXXX XXXX XXXX XXXX - XXXX of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. 
I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am disputing this payment history as inaccurate and unverifiable under the Fair Credit Reporting Act FCRA section 611. At no point have I received documentation proving the validity of this alleged delinquency. And to my knowledge. The record being reported is either outdated incomplete or otherwise inconsistent with my payment activity. 
I am requesting a full reinvestigation of this account unless the late payment. An be verified with complete and accurate documentation. Including timestamp internal logs or notices from the creditor. This information must be removed immediately from my credit report. 
Please provide me the full results of your investigation including names and contact information of the furnisher of data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX Continued Reporting of Inaccurate Payment History Failure to Correct Billing Error I, XXXX XXXX XXXX XXXX am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) as a natural person acting on my own behalf. I am following up on a dispute I originally submitted more than 35 days ago regarding inaccurate payment history reporting on my consumer credit file.

Despite invoking my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), the disputed account below continues to reflect inaccurate late payments. This is a clear violation of my rights and of applicable federal statutes.

I originally raised this dispute under 15 U.S. Code 1666 ( b ), which outlines what constitutes a billing error, including : Failure to accurately reflect a payment or credit issued, Computation or accounting errors by the creditor, and Lack of proper advance notice ( minimum of 21 days ) before the assessment of late fees or reporting late payments. 

To date, I have not been provided with any documentation substantiating the accuracy of the reported late payments. In the absence of valid verification, the data must be corrected or removed under the law. 

Disputed Account : Late Payment ( Open ) Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Report Disputed Status and Unverifiable Credit Inquiries Violation of FCRA and FDCPA I, XXXX XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to report serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the inaccurate and incomplete reporting of items on my credit report. 

I previously submitted formal disputes regarding multiple unauthorized inquiries and inaccurate account information both directly to the furnishers and through the credit reporting agency. More than 35 days have passed, and the disputed account has not been marked as in dispute as required by federal law. 

Statutory Violations : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires that furnishers of information must report an account as disputed once they receive notice of a consumer dispute.

15 U.S. Code 1692e ( 8 ) Prohibits debt collectors from communicating credit information they know or should know is false or disputed without disclosing its disputed status. 

Despite clear notice, these obligations have not been met. 

Disputed Items : Unauthorized Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and should be removed immediately from my credit file. 

Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX Unverified Collection Account : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account remains on my report without verification or being marked as disputed, despite my prior complaint and 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 2025-06-24 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: GA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Report Disputed Status and Unverifiable Credit Inquiries Violation of FCRA and FDCPA I, XXXX XXXX XXXX, am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) to report serious violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the inaccurate and incomplete reporting of items on my credit report. 

I previously submitted formal disputes regarding multiple unauthorized inquiries and inaccurate account information both directly to the furnishers and through the credit reporting agency. More than 35 days have passed, and the disputed account has not been marked as in dispute as required by federal law. 

Statutory Violations : 15 U.S. Code 1681s2 ( a ) ( 3 ) Requires that furnishers of information must report an account as disputed once they receive notice of a consumer dispute.

15 U.S. Code 1692e ( 8 ) Prohibits debt collectors from communicating credit information they know or should know is false or disputed without disclosing its disputed status. 

Despite clear notice, these obligations have not been met. 

Disputed Items : Unauthorized Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not authorized by me and should be removed immediately from my credit file. 

Inaccurate Personal Information : Previous Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX Unverified Collection Account : XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection account remains on my report without verification or being marked as disputed, despite my prior complaint and 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 2025-06-24 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of 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

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