vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NC

Complaint narrative:
I

am writing to formally dispute and request deletion of several items on my Experian credit report as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which guarantees consumers the right to accurate and fully verified credit reporting. The following accounts are reporting inaccurate or incomplete information that I request be investigated and deleted : XXXX. XXXX XXXX XXXX XXXX - This account is reporting a charge-off with a balance due despite being closed.

- It was previously disputed, yet no documentation of validation has been provided.

- Per FCRA 611, I request full documentation ( original agreement, payment records, charge-off proof ).

- If this can not be verified within 30 days, please remove it entirely per FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX ( All 3 Accounts ) - These accounts show " paid in settlement, '' yet continue reporting derogatory remarks.

- Under FCRA 607 ( b ), credit furnishers must maintain maximum accuracy.

- If these accounts were paid in good faith, derogatory reporting should cease.

- Please reinvestigate and delete if errors or incomplete data are found. 


XXXX. XXXX - Account shows " paid in full for less than full balance '' but continues to reflect negatively.

- This was previously disputed. Per FCRA 623, furnishers can not report inaccurate info knowingly.

- I request Experian demand validation or remove the item. 

XXXX. XXXX XXXX XXXX XXXX Reporting 3 late payments on an account closed in XXXX. 
- These late payments are over 24 months old and harm my credit despite timely closure.

- If not verifiable or relevant per FCRA 605 ( a ), please remove them or reclassify as positive history.

Unverified Hard Inquiries Per FCRA 604, no hard inquiry may appear on a credit report without consumer permission or legitimate business purpose.

The following inquiries appear without any open/associated account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Please remove these unauthorized or unverified inquiries from my credit file.

LEGAL BASIS : FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation of disputed information within 30 days.

FCRA 604 ( 15 U.S.C. 1681b ) : Requires inquiries to have permissible purpose.

FCRA 623 : Furnishers must not report false or misleading information.

FCRA 607 ( b ) : Requires credit bureaus to ensure maximum possible accuracy.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I

am writing to formally dispute and request deletion of several items on my Experian credit report as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which guarantees consumers the right to accurate and fully verified credit reporting. The following accounts are reporting inaccurate or incomplete information that I request be investigated and deleted : XXXX. XXXX XXXX XXXX XXXX - This account is reporting a charge-off with a balance due despite being closed.

- It was previously disputed, yet no documentation of validation has been provided.

- Per FCRA 611, I request full documentation ( original agreement, payment records, charge-off proof ).

- If this can not be verified within 30 days, please remove it entirely per FCRA 611 ( a ) ( 5 ). 

XXXX XXXX XXXXXXXX ( All 3 Accounts ) - These accounts show " paid in settlement, '' yet continue reporting derogatory remarks.

- Under FCRA 607 ( b ), credit furnishers must maintain maximum accuracy.

- If these accounts were paid in good faith, derogatory reporting should cease.

- Please reinvestigate and delete if errors or incomplete data are found. 


XXXX. XXXX - Account shows " paid in full for less than full balance '' but continues to reflect negatively.

- This was previously disputed. Per FCRA 623, furnishers can not report inaccurate info knowingly.

- I request Experian demand validation or remove the item. 

XXXX. XXXX XXXX XXXX XXXX Reporting 3 late payments on an account closed in XXXX. 
- These late payments are over 24 months old and harm my credit despite timely closure.

- If not verifiable or relevant per FCRA 605 ( a ), please remove them or reclassify as positive history.

Unverified Hard Inquiries Per FCRA 604, no hard inquiry may appear on a credit report without consumer permission or legitimate business purpose.

The following inquiries appear without any open/associated account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Action Requested : Please remove these unauthorized or unverified inquiries from my credit file.

LEGAL BASIS : FCRA 611 ( 15 U.S.C. 1681i ) : Requires reinvestigation of disputed information within 30 days.

FCRA 604 ( 15 U.S.C. 1681b ) : Requires inquiries to have permissible purpose.

FCRA 623 : Furnishers must not report false or misleading information.

FCRA 607 ( b ) : Requires credit bureaus to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I disputed XXXX XXXXXXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-24 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: NY

Complaint narrative:
I disputed XXXX XXXXXXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
The credit bureaus are continuing to report a charged-off auto loan from XXXX XXXX with a balance of {$14000.00}, even though the original creditor issued a 1099-C in 2023 and claimed the debt as canceled on our tax return. This debt was legally forgiven, yet all three bureaus continue to update it monthly, which is misleading, inaccurate, and harmful to my credit. This violates the Fair Credit Reporting Act ( FCRA ) because it falsely represents a canceled debt as active and collectible. To make matters worse they didnt do a thorough and proper investigation. No proof at all. Now wet signatures or anything.

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 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NC

Complaint narrative:
I am a public servant eligible for PSLF trapped in the SAVE plan. I submitted a request to change my repayment plan to PAYE in XX/XX/XXXX, then in XX/XX/XXXX, which is necessary for my PSLF eligibility. MOHELA has shown no movement on my application. On XX/XX/XXXX, I called and was told there was no progress, but an expedited request was submittedwithout explanation of what that entails or how long it will take. 

Meanwhile, interest begins to accrue in XXXX, and Im being denied the plan necessary to remain compliant with PSLF requirements. This delay threatens my long-term financial stability and loan forgiveness.

I request immediate action to process my IDR request and ensure my PSLF eligibility is preserved.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: WI

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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 2025-07-24 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: ND

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and my current phone number XXXX and the only name associated with me is on my drivers license- XXXX I demand ALL other information not matching this criteria be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and my current phone number XXXX and the only name associated with me is on my drivers license- XXXX I demand ALL other information not matching this criteria be deleted immediately.

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 2025-07-24 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: AZ

Complaint narrative:
After reviewing my credit report I notice a fraudulent account on my credit report. I attached a identity theft report to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : 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
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Chrysler Capital has single handily ruined my credit with validated credit information per the FCRA Section 1681i requiring reinvestigation of disputed information. FCRA Section 1681e ( b ) requiring accurate and up-to-date reporting. Each credit report appears to be different which is against the FCRA law to protect consumers from misinformation on their records. Each report from XXXX XXXX XXXX XXXX is completely different. Ive ask the company in writing and verbally to correct their mistakes but I was met with verbal abuse. I have screenshots to proves each account displays three different reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-07-24 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data, In light of the 2023 CFPB enforcement action ( CFPB & FTC XXXX TransUnion ), in which your agency was fined {$23.00} XXXX for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law. 
The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 
Accordingly, I require either : A certified copy of the original wetink signed agreement ; or XXXX confirmation that this account has been permanently deleted from all credit files you maintain. 

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 2025-07-24 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: FL

Complaint narrative:
I am writing to request the removal of fraudulent accounts and inquiries from my credit report. I am a victim of identity theft, and these items were not authorized by me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and delete the unauthorized information. Enclosed are a list of the disputed items and my FTC Identity Theft Report.

I appreciate your prompt attention and request written confirmation once the corrections are made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am disputing a closed and paid XXXX XXXX XXXX account ( Account Number : XXXX ) that is inaccurately reporting two 30-day late payments ( XXXX and XX/XX/year>2024 ) on my Experian credit report. The account is marked Paid, Closed with a {$0.00} balance, closed at the consumers request, and should not reflect derogatory activity. 

This account also appears on my TransUnion report under a completely different account number and furnisher classification, which violates XXXX XXXX reporting standards and causes confusion and compliance issues. 

I previously contacted the furnisher, but no correction or deletion occurred. Experian has failed to ensure maximum possible accuracy per FCRA 1681e ( b ) and to conduct a proper reinvestigation under FCRA 1681i ( a ) and 1681s-2 ( b ).

This reporting is inaccurate, inconsistent, and unverifiable, and I am requesting permanent deletion from my Experian 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