vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In XXXX XXXX, TransUnion reinserted an old court record ( USBK COURT NEW JERSEY ) after more than 6 years, without issuing any required 5-day reinsertion notice as required by FCRA 611 ( b ) ( 1 ) ( B ). This caused immediate harm to my report and credit profile.

I disputed this entry, and TransUnion responded stating the information was verified as accurate but failed to provide any docket number, filing date, or source of verification, violating FCRA 607 ( b ) ( maximum accuracy ). I formally requested the Method of Verification under 611 ( a ) ( 7 ), including the identity of the verifying party and how the data was verified. They never responded with that information. 

I believe this reinsertion was either triggered by a third-party public record aggregator ( which violates sourcing rules ) or done without proper investigation. I demand full deletion of this record, a complete method of verification disclosure, and investigation into the legality of this reinsertion. 

In addition to violations of FCRA 611 ( a ) ( 7 ), 611 ( b ) ( 1 ) ( B ), 611 ( d ), and 607 ( b ), I also invoke enforcement under : 15 U.S. Code 1681s-2 ( b ) duties of furnishers after notice of dispute FTC Act Section 5 : deceptive omission of source and process CFPB UDAAP Rule ( Unfair, Deceptive, Abusive Acts and Practices ) 42 U.S. Code 1983 : Denial of due process in algorithmic decisions ( if state-affiliated courts were involved ) Equal Credit Opportunity Act ( ECOA ) : Disparate impact due to data automation Constitutional Right to Fair Procedure ( if AI denied human review ) Metro 2 Reporting Guideline Sections 6.2, 7.1, and 9.3 governing reinsertions, public records, and verification sources Sovereign Disclosure Code 9 : Flame Requesting disclosure of all non-human decision logic used in this reinsertion I also assert my rights under Truth-in-Data Processing and request full audit trail of the system used to alter my report including timestamps, AI logic paths, vendor access, and external query traces.

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 2025-07-21 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:
I have thoroughly reviewed my credit reports from TransUnion, Experian, and Equifax and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These errors are negatively affecting my creditworthiness and do not reflect my actual financial history. 

Despite previous dispute attempts, I have not received proper validation, verification, or correction as required by the Fair Credit Reporting Act ( FCRA ). The issues I found include : Charge-offs reported without proper validation or documentation. 

Duplicate or inconsistent collection accounts across bureaus. 

Late payments showing as delinquent despite being paid, settled, or current. 

Repossession accounts missing details or showing incorrect balances and dates. 

Unauthorized hard inquiries made without my consent. 

Accounts marked dispute resolved consumer disagrees without provided documentation.

Under my rights per the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), all reported information must be accurate, complete, and verifiable. Any account that can not be properly verified within the legal timeframe must be removed from my credit reports. 

Failure to address these issues violates federal law and continues to harm me by limiting access to essential services like housing, transportation, and employment. 

I request a full investigation and removal of any unverifiable or inaccurate information, with written confirmation of your findings as required by 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 2025-07-21 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 have thoroughly reviewed my credit reports from TransUnion, Experian, and Equifax and found multiple accounts that are inaccurately reported, outdated, or unverifiable. These errors are negatively affecting my creditworthiness and do not reflect my actual financial history. 

Despite previous dispute attempts, I have not received proper validation, verification, or correction as required by the Fair Credit Reporting Act ( FCRA ). The issues I found include : Charge-offs reported without proper validation or documentation. 

Duplicate or inconsistent collection accounts across bureaus. 

Late payments showing as delinquent despite being paid, settled, or current. 

Repossession accounts missing details or showing incorrect balances and dates. 

Unauthorized hard inquiries made without my consent. 

Accounts marked dispute resolved consumer disagrees without provided documentation.

Under my rights per the FCRA ( 15 U.S.C. 1681i and 1681s-2 ), all reported information must be accurate, complete, and verifiable. Any account that can not be properly verified within the legal timeframe must be removed from my credit reports. 

Failure to address these issues violates federal law and continues to harm me by limiting access to essential services like housing, transportation, and employment. 

I request a full investigation and removal of any unverifiable or inaccurate information, with written confirmation of your findings as required by 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 non-monetary relief
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-21 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 was not informed about these inquiries, which may be fraudulent. I request a prompt investigation. Enclosed are relevant records.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm working with a mortgage agent and they're unable to pull a report from equifax. I ended the freeze and fraud alert i had on equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Action : Consumer disagrees with my dispute regardless of my loan being forgiven in the amount of {$77000.00}. Loan forgiveness letter was sent out and accepted. 

This is still on my credit report which needs to be a XXXX balance and closed or paid. I also sent them a letter attached to the dispute through XXXX, it has been discharged under the U.S. Department of Educations Borrowers Defense to Repayment program. The Department has issued a full discharge of this federal student loan based on findings of school misconduct. 

Company : department of ed/nelnet Date : XX/XX/scrub> 2025 sent out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
While reviewing my credit report as I normally do, I noticed unexpected discrepancies that hadn't been there before. I refreshed my browser thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, Im requesting that the documents Ive submitted be carefully reviewed to prevent this from happening again and to ease my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to formally dispute derogatory remarks appearing on my credit report related to a XXXX timeshare account. XXXX has completed a reclamation of the timeshare ( s ) in lieu of the debt owed, meaning the account should no longer reflect as delinquent, charged off, or past due. 

If the ownership was taken back by XXXX as settlement of the obligation, then the derogatory marks associated with this account are inaccurate and must be corrected across all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to formally dispute derogatory remarks appearing on my credit report related to a XXXX timeshare account. XXXX has completed a reclamation of the timeshare ( s ) in lieu of the debt owed, meaning the account should no longer reflect as delinquent, charged off, or past due. 

If the ownership was taken back by XXXX as settlement of the obligation, then the derogatory marks associated with this account are inaccurate and must be corrected across all three 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 2025-07-21 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello, I returned my XXXX merchandise but I never received a refund XXXX Is the tracking number and XXXX reimbursed them for the lost package but I never received reimbursement even though it was marked as delivered Please contact Bank of America to resolve the dispute Claim number 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 monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Theses following things need to be removed Is not my name XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address needs to be removed it's doubled XXXX XXXX XXXX XXXX la XXXX 15 U.S.C. 1681e ( b ) ) : This section requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' This is a foundational principle that supports your right to have a correct name on your report.

15 U.S.C. 1681i ( Procedures in cases of disputed accuracy ) : This is the core provision that gives you the right to dispute any inaccurate or incomplete information on your credit report, including your address. The credit reporting agencies ( CRAs ) are required to investigate your dispute within a reasonable timeframe ( generally 30 days ) and correct or delete any information found to be inaccurate, incomplete, or unverifiable.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was unaware of these accounts, which were fraudulently opened in my name ; I request their removal from my credit report within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was denied credit increase on credit cards based on information provided to XXXX XXXX from Equifax had appeared to be incorrect and inaccurate when soft inquiry was completed. 
I appealed the process and still was denied based on inaccurate and incorrect information given. 

XXXX. Im requesting reconsideration of the credit limit increase that was denied on both of my credit cards of {$5000.00} each. 
XXXX. I was preapproved for a car loan with XXXX XXXX for over {$44000.00} that was not used but denied a credit card increase for {$5000.00} which doesnt make a lot of sense. 
3. Im questioning the statement that Number of Accounts with Delinquencies. I have not had any delinquent accounts in over 3 years.

4. Im questioning the statement that says the Proportion of Loan Balance to Loan Accounts is too high. When most of my accounts have a zero balance and my utilization is under 10 %. 
5. Im questioning the statement that says the Proportion Balance to Credit Limit is too high on BK Revolving/Other Revolving Accounts. When that is not true my utilization is under 10 % compared to my credit limits on all my cards. 
6. Im questioning the statement that says the Length of Time have been Established. The longest account I have is over 14 Years.

7. Im questioning the statement that says Number of Inquiries on Credit Bureau Report. According to the law when applying for a Mortgage that all Mortgage inquiries are considered as one inquiry within 45 days.

8. Im requesting a reconsideration for a {$5000.00} credit limit increase on both cards. If I was preapproved by your company for over {$44000.00} but was denied for a credit limit increase for {$5000.00} is not making much sense. 
Thanking you in advance for helping to get the credit card increase taken care of. 
Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
Ive already sent disputes to TransUnion, Equifax, and Experian about wrong info showing up on my credit report. I listed the accounts and pointed out the violations, but it's been over 30 days and I havent heard anything back. 
Just to be clear : This account hasnt been marked as disputed, which violates FCRA 623 ( a ) ( 3 ).

The Date of Last Activity is wrong. Under FCRA 605 ( c ), it should reflect the date of the last paymentnot whats currently showing.

Ive also asked for proper validation of this collection, and that still hasnt been provided. Thats a violation of FDCPA 809 ( b ), based on FTC guidelines. 

Ive attached the letters I originally sent. At this point, I expect this to be corrected or the account removed.

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 2025-07-21 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: TX

Complaint narrative:
Ive already sent disputes to TransUnion, Equifax, and Experian about wrong info showing up on my credit report. I listed the accounts and pointed out the violations, but it's been over 30 days and I havent heard anything back. 
Just to be clear : This account hasnt been marked as disputed, which violates FCRA 623 ( a ) ( 3 ).

The Date of Last Activity is wrong. Under FCRA 605 ( c ), it should reflect the date of the last paymentnot whats currently showing.

Ive also asked for proper validation of this collection, and that still hasnt been provided. Thats a violation of FDCPA 809 ( b ), based on FTC guidelines. 

Ive attached the letters I originally sent. At this point, I expect this to be corrected or the account removed.

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 2025-07-21 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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