vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXXSubject: Formal Dispute Regarding Inaccurate Information on My Credit Report\n\nDear TransUnion,\nI am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.\nRecently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX  for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include:\n Conducting inadequate investigations that fail to address consumer disputes properly.\n Reinserting previously disputed and inaccurate information without explanation.\n Failing to notify consumers about investigation results effectively.\nThese allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.\nPlease review the inaccurate information being reported:\n1. Under the FCRA, you are required to:\n Conduct a proper investigation into my dispute.\n Inform me of the results of your investigation in a clear and comprehensible manner.\n Provide me with any documentation you rely on if the disputed information is verified as accurate.\n Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.\n If the investigation concludes that the information cannot be verified or remains inaccurate, I request the immediate removal or correction of this information from my credit report.\nFurthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFPB and other appropriate agencies.\nThank you for addressing this matter promptly. I look forward to your response within the legally mandated 30-day timeframe.\n\nSincerely,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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/XXXX i went into Navy Federal to verify my identity. After that was done my accounts were on frozen in less than 48 hours my accounts were back frozen and i was asked to come back to the branch to verify my identity. I expressed to them the 1st time that Navy Federal was not close and due to my schedule, I can not come in there because I had just came in there less than 48 hours ago. So, I advised them to just close my accounts out. They have yet to do so which means i should be collecting interest on the funds they have been holding i n my account. I assigned a power of attorney, and they still wouldn't allow for my accounts to be closed out. I asked for their attorney information, and they refused to give me that information. I would like to sue them at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
XXXX  XXXX was having issues and for some reason my payment was returned. So now its showing that I missed the payment. I did email them and did ask if they can remove the late payment on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. An eviction record reported by [ XXXX XXXX AND XXXX XXXX ] appears on my report, but I was never legally evicted from any property. 

The record in question appears as : Eviction Record Reported by : XXXX XXXX Date : XX/XX/XXXX Reported by : XXXX XXXX Date : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverifiable information. This eviction is inaccurate for the following reasons : [ Choose or explain your situation briefly, e.g. : ] My Drivers license and Social Security Card were stolen back in XXXX I havent applied for an home since XXXX I request that this eviction record be investigated and either verified with supporting legal documentation or removed from my credit report entirely. If it can not be verified, it must be deleted in accordance with 15 U.S.C. 1681i ( a ).

Attached are the following documents to support my claim : Copy of my ID Police Report ( identity theft ) social security card Please complete the investigation within XXXX days, as required by the FCRA, and notify me in writing of the results.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax sent a letter in XX/XX/year> that stated they do not have a credit file for me. This is in spite of me providing verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-05 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
I have been a victim of identity theft and I am asking all fraudulent accounts be removed from my credit report.

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 2025-07-05 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: MA

Complaint narrative:
XXXXXXXX XXXX XXXX is furnishing materially inaccurate and misleading data regarding a credit card account that was paid and closed, yet is still being used to harm my credit reputation. 

Specifically : The account shows a highest balance of {$790.00} on a {$600.00} credit limit, which suggests that the account was overutilized by 133 %. This false portrayal of risk directly undermines my creditworthiness and has led to adverse action, including credit denials. 

This highest balance figure is unverifiable, unexplained, and likely inflated with penalty fees or charges which violates Metro 2 formatting protocols and the maximum possible accuracy standard under FCRA 607 ( b ). 

There is no disclosure of how this balance was accrued, nor was I ever informed that usage over my credit limit would be reported in a punitive way. 

Additionally, this creditor is reporting historical experience-based data such as credit usage in a way that violates 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which clearly states that transactions or experiences between the consumer and the person making the report are excluded from the definition of a consumer report. XXXX XXXX  has no legal basis for publishing internal historical account experiences in a derogatory fashion. 

No open balance remains, no debt exists, and the account was closed. Yet the legacy of this inflated balance continues to suppress my credit scores and mischaracterize my financial behavior.

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 2025-07-05 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: TX

Complaint narrative:
On XX/XX/, Experian reinserted two previously blocked identity theft accounts : XXXX XXXX ( {$650.00}, charged-off ) and XXXX XXXX XXXX  XXXX {$1800.00}, charged-off ). These accounts were already removed following a valid FTC Identity Theft Report ( # XXXX ), yet Experian has again reinserted them without meeting the legal requirements under FCRA 605B ( d ). No written notice within 5 business days of reinsertion was provided. No material misrepresentation, no ink-signed contract, and no documentation showing I received goods/services was provided as required by FCRA 605B ( c ). 

Previously, I submitted a Procedural Request under FCRA 611 ( a ) ( 7 ) demanding details on their investigation methods, verification sources, and data furnisher contact information. Experian failed to respond. Their repeated failure to properly block and their unauthorized reinsertion constitutes willful noncompliance under FCRA 1681c-2, 1681i ( a ) ( 7 ), 1681s-2 ( b ). Relevant case law such as Cushman v. TransUnion Corp. and Dennis v. BEH-1 confirms the duty to reasonably investigate and prevent re-reporting of fraudulent data. 

I am requesting immediate regulatory enforcement to compel Experian to permanently delete these accounts, provide full reinvestigation documentation, and comply with 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 2025-07-05 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: TX

Complaint narrative:
There are accounts listed on my credit report that I dont recognize, and since I didnt authorize them, they may be the result of identity theft. Ive raised this issue with you before, and Im following up to request that these accounts be promptly removed. Their presence has been distressing, as they do not reflect my true credit history or financial conduct. This has been a challenging situation, and Im prepared to take legal steps if necessary to correct it. These inaccuracies are blocking important financial milestones, such as buying a home and supporting my family. Im eager to see this resolved quickly.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am filing this dispute on my own behalf. I am writing to formally dispute inaccurate and unlawful information being reported on my credit file in violation of the FCRA, 15 U.S.C. 1681. My credit report currently shows late payments for the student loan accounts serviced by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As well as XXXX XXXX. 
Reporting any late payments during this time is inaccurate and misleading. Per FCRA 623 ( a ) ( 1 ) ( A ), a date furnisher may not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, FCRA 607 ( b ) requires that all consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. This unlawful reporting has hindered my ability to secure school housing by damaging my credit standing. I am demanding immediate correction of this inaccurate information, a full reinvestigation in accordance with the FCRA, and written confirmation once this information has been corrected. If this issue is not resolved within 30 days mandated by law, I will exercise my rights to file a formal complaint with the CFPB and FTC by pursing legal action for damages and willful negligence.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX and I am filing this dispute on my own behalf. I am writing to formally dispute inaccurate and unlawful information being reported on my credit file in violation of the FCRA, 15 U.S.C. 1681. My credit report currently shows late payments for the student loan accounts serviced by : XXXX XXXX XXXX XXXXXXXX XXXX XXXX. As well as XXXX XXXX. 
Reporting any late payments during this time is inaccurate and misleading. Per FCRA 623 ( a ) ( 1 ) ( A ), a date furnisher may not furnish information that it knows or has reasonable cause to believe is inaccurate. Furthermore, FCRA 607 ( b ) requires that all consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. This unlawful reporting has hindered my ability to secure school housing by damaging my credit standing. I am demanding immediate correction of this inaccurate information, a full reinvestigation in accordance with the FCRA, and written confirmation once this information has been corrected. If this issue is not resolved within 30 days mandated by law, I will exercise my rights to file a formal complaint with the CFPB and FTC by pursing legal action for damages and willful negligence.

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 2025-07-05 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( XXXX ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-05 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: FL

Complaint narrative:
I am filing this complaint because Equifax is reporting fraudulent information on my credit report, including fraudulent accounts and an incorrect address, which is a clear indication that they are failing to fulfill their legal obligations and do not respect my rights as a consumer. I am a documented victim of identity theft as a result of the widely known Equifax and XXXX data breaches, which exposed my personal information and left me vulnerable to fraud. 

Under the * * Fair Credit Reporting Act ( FCRA ) * *, specifically 15 U.S.C. 1681c-2 ( a ), consumer reporting agencies are required to block fraudulent information from a consumer 's credit file once they have been provided with appropriate documentation. I have already sent Equifax all necessary documentation, including : * A copy of my government-issued identification * A copy of my Social Security Card * A utility bill confirming my current and only valid address * An * * FTC Identity Theft Report * * Despite providing this documentation, Equifax has failed to remove the fraudulent information from my credit file, which includes unauthorized accounts that I did not open or authorize. In addition to this, Equifax is also reporting an incorrect address on my credit report * *, an address that I have never lived at or been associated with. This further reflects their lack of proper investigation and disregard for my rights. 

Their failure to act is a direct violation of * * 15 U.S.C. 1681c-2 ( a ) * * and demonstrates a failure to maintain accurate and fair reporting practices, as required by law. Their continued reporting of false information, including both fraudulent accounts and the incorrect address, has caused me financial harm, stress, and reputational damage. 

I am requesting that the CFPB intervene and ensure that Equifax : 1. Complies with 15 U.S.C. 1681c-2 ( a ) 2. Immediately deletes all fraudulent accounts from my credit report 3. Removes the incorrect address from my credit file 4. Updates my report to reflect only accurate, verified information Thank you for your attention to this matter and for assisting me in protecting my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Marlette Funding, LLC
State: MA

Complaint narrative:
XXXX XXXX is reporting an open-end unsecured installment account ( Account # XXXX ) as delinquent/late, despite the account being open and in repayment status. This is a clear violation of multiple consumer protection laws and XXXX XXXX reporting guidelines. Under 15 U.S.C. 1666b ( TILA ), creditors can not treat a payment as late unless reasonable time is allowed and proper disclosures are followed.

Moreover, XXXX XXXX reporting of a late payment is factually and legally improper under the FCRA 607 ( b ), which requires maximum accuracy. The use of delinquency coding on an active, open account artificially lowers my XXXX score and constitutes a form of economic coercion and reputational damage.

Additionally, Congress explicitly excludes transactions or experiences between a consumer and the furnisher from being considered a consumer report under FCRA 603 ( d ) ( 2 ) ( A ) ( i ), yet XXXX XXXX furnishes these late payments to CRAs, knowing they materially harm creditworthiness. 

This furnisher is knowingly : Misrepresenting my account status Misapplying derogatory XXXX XXXX indicators Failing to ensure lawful, fact-based data accuracy Ignoring my right to fair reporting under TILA, FCRA, and XXXX XXXX As a result, I have been denied the opportunity to obtain financing to pay this account off in full, causing ongoing financial hardship for me and my two dependent children. This inaccurate reporting affects 35 % of my entire credit score, which is heavily based on payment history.

Company response to consumer: Closed with explanation