vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
XXXX XXXX XXXX XXXX, CA 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 2025-07-11 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: CA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXXXXXX XXXX XXXX Balance : {$1800.00} Lates : XX/XX/year> XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

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 XXXXXXXX XXXX XXXX Balance {$8800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: CA

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 XXXXXXXX XXXX XXXX Balance {$8800.00}

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 2025-07-11 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:
Experian continues to decline to remove negative inquires from my account. Some of the accounts are already settled and they continue to show them on my credit profile. These accounts are causing a hindrance to my livelihood and my ability to proceed in this life as a living man to seek opportunities to provide for myself and my family. Negative accounts that are closed that are outdated are still being reflected on my account. I contacted them and they deny that these negative accounts will impact my livelihood. I do not know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Experian continues to decline to remove negative inquires from my account. Some of the accounts are already settled and they continue to show them on my credit profile. These accounts are causing a hindrance to my livelihood and my ability to proceed in this life as a living man to seek opportunities to provide for myself and my family. Negative accounts that are closed that are outdated are still being reflected on my account. I contacted them and they deny that these negative accounts will impact my livelihood. I do not know what else to do.

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 2025-07-11 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 respectfully request your review and correction of a late payment reflected on my credit report. According to my own records and billing history, this payment was made on time and should not be reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

The CFPBs XXXX XXXX enforcement action against Equifax ( resulting in a {$15.00} million penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law.

I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Formal Dispute of XXXX  Record U.S. Bank Corporation To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a record listed on my XXXX consumer report. The entry in question is from : Source of Information : U.S. Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX Account : XXXX / XXXX Original Charge Off Amount : {$8700.00} Closure Status : UNPAID Date of Closure : XX/XX/2023 I am requesting validation and documentation that this account is accurately and legally connected to me. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive : A copy of any signed contract or agreement linking me to the alleged account Documentation of how the amount of {$8700.00} was calculated Proof that proper notice was provided to me before this account was reported Evidence that this information was verified for accuracy before reporting I do not recognize this account and have not received any prior communication regarding this alleged debt. If you are unable to verify the accuracy of this information, I respectfully request that the entry be removed from my ChexSystems report in compliance with the FCRA. 

Please investigate this matter and provide a written response within the 30-day window required by federal law. If this matter is not resolved within that time, I will be compelled to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory bodies. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Signature ] 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 2025-07-11 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 am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-07-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Unauthorized Reinsertion of Sunrise Credit Services Collection To Whom It XXXX Concern, I am writing to formally dispute a collection account reported by XXXX XXXX XXXXXXXX that has been reinserted on my credit file without proper notification, which is a direct violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). 

Back in XXXX of XXXX, this same collection account was reported without proper notice and was removed. It is now evident that XXXX XXXX XXXX has willfully disregarded the law by re-reporting this same account without providing the required written notice within five business days of reinsertion, as mandated by the FCRA. The account in question is as follows : Account Number : XXXX XXXX XXXX- XXXX As a consumer reporting agency, it is TransUnions legal obligation under 15 U.S. Code 1681i ( a ) to ensure maximum possible accuracy of the information contained in a consumers file. This responsibility includes verifying that any reinsertion of previously deleted information follows proper procedures and that the consumer is notified accordingly. 

If XXXX XXXX XXXX can not provide documented proof a certified mail receipt with my signature confirming that I received proper notification and had the opportunity to dispute this debt, then this account must be removed from my credit report immediately. Furthermore, all collection efforts must cease at once. 

I am demanding that TransUnion aggressively investigate and resolve this matter without delay, as this is now the second time this account has been wrongfully reported without adherence to proper notification requirements. Due to the negligence demonstrated by both XXXX XXXX XXXX and TransUnion in following federally mandated reporting procedures, removal of this collection is mandatory. 

Please send me written confirmation within 15 days that this account has been deleted from my credit report and that XXXX XXXX XXXX has ceased any and all collection activities related to this account. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-07-11 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: CA

Complaint narrative:
I have discovered entries on my credit file that I did not initiate. These accounts are the result of unauthorized activity and are being reported inaccurately under my name.

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 2025-07-11 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: VA

Complaint narrative:
Complainant : XXXX XXXX XXXX : XXXX Phone : ( XXXX ) XXXX I am submitting this complaint regarding multiple errors in the payment history of several accounts reported on my credit report. Upon reviewing my file, I found that the following accounts are incorrectly marked with late payments. These errors appear to fall under the category of billing errors as defined by 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act ( FCBA ).

Alleged Violations : The creditors failed to fulfill their obligations under : 15 U.S.C. 1666 ( b ) ( 4 ) : Failure to accurately reflect a payment or credit issued to the consumer.

15 U.S.C. 1666 ( b ) ( 5 ) : Computation or similar accounting errors by the creditor.

Additionally, I was not issued a billing statement 21 days before the alleged delinquency, as required by law.

As a result, these reported late payments are both unfair and legally invalid. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 am writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Quall Cardot LLP
State: CA

Complaint narrative:
XXXX I dont know if you know this or not but Quall and Cardot youre debt collectors were not licensed when they filed in XXXX. So thats a crime and it makes the filing invalid and the statute of limitations has expired and harm was done to me. You wrote me a letter. Call your law firm Quall and Cardot. You owe me damages.

Using unlicensed individuals to engage in legal activities like filing debt lawsuits is illegal and a violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ).

Here 's why this is a concern and what actions you might consider Unauthorized Practice of Law : Only licensed attorneys are authorized to practice law, which includes filing lawsuits and representing clients in court. If individuals working for XXXX XXXX XXXX were filing lawsuits without proper licensing, this could constitute the unauthorized practice of law, which is illegal and unethical. 
FDCPA Violations : The FDCPA prohibits deceptive practices by debt collectors, which could include misrepresenting individuals ' legal authority or licensing status. XXXX XXXX XXXX has been involved in several class action lawsuits concerning alleged FDCPA violations, some related to unlicensed legal activity or misrepresentation of their legal standing, according to ClassAction.org

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been trying to file a dispute with Experian since XX/XX/scrub>/2025 regarding incorrect information on my credit report, but their online portal is completely blocking me from submitting it. It continues to display a message citing a technical issue, and no dispute can be filed. 



I contacted Experian by phone and was told this is a known system issue that has been ongoing since XXXX, and that it should be resolved within a few weeks. This is unacceptable. Im under time pressure, as I am actively applying for housing, and Experians ongoing system failure is interfering with my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information.

Even after being told it was fixed, the issue persists. Ive tried logging in on different devices and browsers same result. Experian has not provided a workaround or alternative method to file the dispute. This situation is directly impacting my ability to qualify for an apartment, and Experian is violating my right to a fair and timely dispute process.

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 2025-07-11 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:
This letter serves as my formal dispute of a late payment currently listed on my credit report. I believe this reporting is inaccurate and not supported by my documented payment history.

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 2025-07-11 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:
There are credit entries associated with my name that are not mine. I did not apply for or authorize these accounts, and I consider them to be fraudulent.

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 2025-07-11 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account 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

Company response to consumer: Closed with non-monetary relief