vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: MA

Complaint narrative:
I am writing to formally dispute the late payment entry listed on my credit report for the account XXXX with bridgecrest. 
This entry appears to be inaccurate, and I kindly request that it be investigated and subsequently removed from my credit report. The late payment is reported for the month of XXXX and XXXX, and I believe it was reported in error due to a processing error. The payment was made on time. I have never missed a payment. According to the Fair Credit Reporting Act, I am entitled to dispute inaccuracies in my credit report. I respectfully request that you investigate this matter and correct my credit report as necessary. Please inform me of the results of your investigation and any actions taken. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely,

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 2025-07-22 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: MI

Complaint narrative:
To Whom It May Concern : I am filing this formal complaint against Experian regarding their continued reporting of an inaccurate and disputed account from XXXX XXXX XXXX on my credit report. 

Despite submitting a dispute under the Fair Credit Reporting Act ( FCRA ), Experian has failed to properly investigate or validate the accuracy of this account. The reported account shows a charge-off and past due balance of {$510.00}. I have requested documentation validating the debt, including proof of late payments and original account terms. To date, Experian has not provided any such evidence or corrected the record. 

This failure to conduct a reasonable reinvestigation is not only a violation of 15 U.S.C. 1681i of the FCRA, but also reflects the same misconduct cited in the CFPBs XXXX enforcement action against Experian ( CFPB v. Experian Information Solutions , Inc. ), in which the Bureau found Experian had misrepresented consumer credit scores and failed to properly handle consumer disputes.

Experian is reporting damaging, unverifiable information that is negatively affecting my credit and ability to obtain fair financial services. I am requesting that the CFPB investigate this matter and ensure that Experian is held accountable for failing to 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 2025-07-22 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-22 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: NJ

Complaint narrative:
ll accounts were paid in full and closed, but still contain remarks that could suggest derogatory payment behavior or remain disputed unnecessarily. 

everal of these accounts show extended delinquencies and inconsistent payment reporting. 

Some delinquencies appear despite recent full payments or closed statuses. 

Requesting verification and full investigation of these delinquencies and their accuracy. 

Inaccuracies in reported credit limits and payment timelines. 

One account notes an investigation but continues to reflect derogatory history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 have a strong history of timely payments, so this late payment entry is both inaccurate and deceptive. I ask that it be removed and my records corrected.

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 2025-07-22 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: CT

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a XXXX XXXX card account that continues to negatively affect my credit report. Despite making payments toward this account and attempting to resolve the balance, the creditor has continued to report it in a way that I believe is inaccurate and potentially unlawful. Additionally, I never received a Form XXXX and I do not know the full or last XXXX digits of the account number, as I no longer have access to any original statements or documentation from the creditor. 

Creditor Name : XXXX XXXX Account Number : Unknown ( I no longer have access to this account and do not know the last XXXX digits ) Charge-Off XXXX Original Balance : {$1300.00} Payments Made : {$600.00} Current Credit Report Status : Charged Off with a reported balance of {$1300.00} I made several payments to this account either prior to or shortly after it was charged off, demonstrating good faith and an intent to resolve the debt. 

Despite this, the account is still listed as charged off and negatively affecting my credit without reflecting the repayment efforts. 

The reported balance appears inaccurate and XXXX not account for payments I made. 

I have not received IRS XXXX  XXXX from the creditor, which I understand should have been issued if {$600.00} or more in debt was forgiven. 

This raises the concern that either the creditor improperly failed to issue the form or they continue to report the account as collectible when it XXXX have already been XXXX. 

I no longer have any correspondence or documents from the original creditor and therefore do not have the account number, which has made it difficult to dispute this through the credit bureaus directly. 

This continued negative reporting is unfairly damaging my credit profile and XXXX violate the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information be furnished to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CT

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint regarding a XXXX XXXX card account that continues to negatively affect my credit report. Despite making payments toward this account and attempting to resolve the balance, the creditor has continued to report it in a way that I believe is inaccurate and potentially unlawful. Additionally, I never received a Form XXXX and I do not know the full or last XXXX digits of the account number, as I no longer have access to any original statements or documentation from the creditor. 

Creditor Name : XXXX XXXX Account Number : Unknown ( I no longer have access to this account and do not know the last XXXX digits ) Charge-Off XXXX Original Balance : {$1300.00} Payments Made : {$600.00} Current Credit Report Status : Charged Off with a reported balance of {$1300.00} I made several payments to this account either prior to or shortly after it was charged off, demonstrating good faith and an intent to resolve the debt. 

Despite this, the account is still listed as charged off and negatively affecting my credit without reflecting the repayment efforts. 

The reported balance appears inaccurate and XXXX not account for payments I made. 

I have not received IRS XXXX  XXXX from the creditor, which I understand should have been issued if {$600.00} or more in debt was forgiven. 

This raises the concern that either the creditor improperly failed to issue the form or they continue to report the account as collectible when it XXXX have already been XXXX. 

I no longer have any correspondence or documents from the original creditor and therefore do not have the account number, which has made it difficult to dispute this through the credit bureaus directly. 

This continued negative reporting is unfairly damaging my credit profile and XXXX violate the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information be furnished to credit bureaus.

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 2025-07-22 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-22 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
Subject : Formal Request for Reinvestigation and Full Compliance Review under FCRA, TILA, FCBA, FDCPA, and Metro 2 To Whom It May Concern : This is a formal Reinvestigation Request and Notice of Dispute regarding the information your company is furnishing to the credit reporting agencies under my consumer file. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), and the Fair Credit Billing Act, you are required to conduct a reasonable investigation upon receiving notice of a dispute. I am hereby demanding a reinvestigation of the item ( s ) listed below, and a comprehensive review of your reporting under XXXX XXXX compliance guidelines, including all data fields and condition codes. 

XXXX XXXX XXXX account because the original creditor information and charge-off details are inaccurate. The last activity date differs across bureaus, and the reporting does not align with FCRA standards. Please provide validation or remove the account if it can not be verified. 

Account Name/Number : CASHNETUSA XXXX Date Opened : XX/XX/year> Nature of Dispute : This account is reflected as a collection tradeline on XXXX  yet it is completely absent from XXXX  and XXXX. 
This reporting inconsistency raises concerns regarding data accuracy and completeness, in direct violation of FCRA 607 ( b ), which mandates that furnishers report truthful and comprehensive information. 
XXXX XXXX XXXX guidelines, consistent and standardized data reporting across all credit reporting agencies is required to maintain uniformity. 
If the account is valid and can be substantiated, it must be reported uniformly across all CRAs to prevent an inaccurate portrayal of the consumers credit profile. 
Reporting to only one or select bureaus may also be deemed an unfair or deceptive act under Dodd-Frank 1036, particularly when such practice adversely affects the consumers perceived creditworthiness. 

The account is missing from XXXX  and XXXX  : Suggests selective or incomplete furnishing Violation of FCRA 602, DoddFrank Act ( UDAAP provisions ), and equal data furnishing standards This may indicate either : The debt is unverifiable and thus omitted by other CRAs.

The data furnisher failed to report uniformly, leading to incomplete data transmission in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-22 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: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I purchased a bottle of XXXX XXXX XXXX on XXXX and when it arrived I discovered that it was a counterfit product. The smell, packaging, weight of product, and markings on packaging clearly indicate counterfit. Once I discovered the good was a fake I reviewed the sellers profile with numerous complaints of counterfit goods. I reached out to the seller for a refund and was advised to send it back. I reached out to USPS before shipment and they advised not to send it back and file a report which I'm in the process of doing. I opened a dispute with my card issuer and they reached out to me without any investigation and said I need to go to a third party retailer and get a written avidavit proving the product is fake. This is not resonable as no third party is ever going to agree to getting involved in a fraudulent transaction they had nothing to do with. While on the phone with an agent in the XXXX they advised this was my only way of moving forward with a dispute. Wells Fargo has failed to do any type of investigation into the matter and has provided me with unreasonable options.

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 2025-07-22 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Please note that this is not a mistake on my part there are clear inaccuracies present that do not reflect the maximum possible accuracy, as required under the Fair Credit Reporting Act ( FCRA ). These errors have had a significant negative impact on my life, both emotionally and financially.

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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX for inaccurately reporting a collection account on my credit report and for failing to comply with federal legal requirements. 

I paid the original debt in full on XX/XX/year>, and provided proof of payment to the collector. Despite this, XXXX XXXX continues to report the account as unpaid to the credit bureaus. 

Additionally, they never provided a written validation notice within five days of first contact, as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). I was never advised of my right to dispute the debt within 30 days. 

I have attempted to resolve this issue directly with the company, but have received no resolution or acknowledgement of the payment made. 

I am requesting that the CFPB require XXXX XXXX to : Remove the account from all credit bureaus Cease further collection and reporting activities Provide a proper written validation of the debt if they intend to continue reporting Their failure to provide required disclosures, combined with their continued reporting of a paid debt as unpaid, is a clear violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, the account is listed as closed on my credit report, yet still reported as unpaid and derogatory. This is misleading and inaccurate. A closed collection account that has been paid in full should reflect a {$0.00} balance and no ongoing negative status. 

These inaccuracies are causing continued harm to my credit profile, and I respectfully request that the CFPB investigate this matter and compel XXXX XXXX to comply with federal law and correct or remove this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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