vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
Transunion is reporting my credit history length as XXXX XXXX XXXX months when actually my oldest account, XXXX is over XXXX XXXX XXXX. A new account was just opened so that has XXXX length. This is what I see upon login in to my Transunion Credit report. 

Your average account age is less than XXXX years. This can show that you're still working on establishing your credit history. 
XXXX yr XXXX XXXX XXXX length of credit history of open accounts Because of this report, my score dropped to XXXX, a substantial decrease of almost XXXX points. Transunion is the only bureau reporting in this manner. XXXX XXXX XXXX report my score over XXXX. 

I requested a correction but no follow up was done. Please help. Thank you, XXXX XXXX my email is 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 2025-08-02 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: OH

Complaint narrative:
I have three student loan accounts being reported by the Department of Education, XXXX, and XXXX  that contains inaccurate and misleading information on my credit reports from all three reporting agencies. I've already tried disputing these inaccuracies ( Multiple times ) and all I ever get back is that the account has been verified, the reporting includes errors such as ( DUPLICATE LOANS ), ( INACCURATE BALANCES ), ( INCORRECCT PAYMENT HISTORY ), and ( INCONSISTANT STATUSES ). I am not requesting another verification ; I am DEMANDING FULL DELETION OF THESE ACCOUNTS!! DUE TO ONGOING VIOLATIONS OF THE ( FCRA ). I have attached a full complaint document detailing the legal violations and my request for PREMANENT DELETION

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 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have closed the account an turned off the cards associated with the account at Mountain America credit union. I once owed XXXX XXXX dollars I have paid it off an now the account is re-opened with another outstanding balance when I don't even have access to the account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
I have opened XXXX disputes on my Experian credit report since XX/XX/XXXX to remove the duplicate reporting of my XXXX student loans. As of XX/XX/XXXX, my student loan balance on my Experian credit report is {$180000.00} when it should only be {$92000.00} as accurately listed on my actual XXXX account. XXXX is incorrectly reporting my balance amount to Experian and I need this updated as soon as possible. This has been affecting my credit score and it's unacceptable that this has continued for almost 12 calendar months even after I challenged this amount 3 times.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over XXXX days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, XXXX, and Transunion data breach.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have asked for all inquiries to be removed does not associated with our account. I did not give written permission for anybody to access my consumer credit report, and that it gives the law for someone to access my credit report without my written permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
I am a victim of identity theft, with FTC Identity Theft Report # XXXX dated XXXX, as proof. Equifax continues to report multiple inaccurate, unverifiable, and nonMetro2compliant items on my credit fileincluding a child-support tradeline, fraudulent address, multiple false accounts, and unauthorized inquiriesdespite clear statutory and regulatory obligations to remove fraudulent data.

Equifax has not blocked or removed these items within the required 4 business days after receiving valid identity theft proof per FCRA 605B / FACTA Consumer Financial Protection Bureau The child-support tradeline is inaccurate or misreported. Federal law ( 42U.S.C. 666 ( a ) ( 7 ) ) requires only accurate delinquent arrears reported by state IVD agencies, not fraudulent or wrong listings. Equifax reports this account inaccurately and without due process notice.

The fraudulent address ( XXXX XXXX XXXX XXXX, OH ) on my file is not mine and can not be verified under FCRA 602A, 607 ( b ), 609 ( a ). 

Multiple account tradelines ( XXXX, XXXX XXXX, Dept. of Education, etc. ) are fraudulent, lack compliance condition code E for identity theft, and are over the reporting period or improperly coded under Metro2 standards.

Unauthorized inquiries ( XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ) are listed without permissible purpose under FCRA 604 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I checked my report and noticed I had a late payment on my KIKOFF LENDING LLC account. It was due to the data breaches and someone hacked into my account and it prevented me from making a payment in XX/XX/year>. The account has been compromised and I would like for the entire account to be removed and blocked from my report because the late payment is preventing me from getting approved for credit. There are also XXXX experian inquiries that were not authorized by me that needs to be removed. EXPERIAN BUSINESS CRED 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 explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
I checked my report and noticed I had a late payment on my KIKOFF LENDING LLC account. It was due to the data breaches and someone hacked into my account and it prevented me from making a payment in XX/XX/year>. The account has been compromised and I would like for the entire account to be removed and blocked from my report because the late payment is preventing me from getting approved for credit. There are also XXXX experian inquiries that were not authorized by me that needs to be removed. EXPERIAN BUSINESS CRED 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 explanation
Consumer complaint received 2025-08-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I checked my report and noticed I had a late payment on my KIKOFF LENDING LLC account. It was due to the data breaches and someone hacked into my account and it prevented me from making a payment in XX/XX/year>. The account has been compromised and I would like for the entire account to be removed and blocked from my report because the late payment is preventing me from getting approved for credit. There are also XXXX experian inquiries that were not authorized by me that needs to be removed. EXPERIAN BUSINESS CRED XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In XXXX  I requested for account to be removed and updated to my account. As of XX/XX/year>, my account is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Someone opened a PayPal Mastercard account in my name they shutdown the account but someone keep reopening the account I told them to close the Mastercard account and PayPal account so no one could access it further

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 2025-08-02 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: NY

Complaint narrative:
THE BANK XXXX XXXXXXXX HAS CHARGED OFF THE DEBT BUT REFUSE TO SEND ME COPY OF 1099c AND IS REPORTING ON ALL THREE REPORTS THAT THIS ACCOUNT IS CHARGE OFF. # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
THE BANK XXXX XXXXXXXX HAS CHARGED OFF THE DEBT BUT REFUSE TO SEND ME COPY OF 1099c AND IS REPORTING ON ALL THREE REPORTS THAT THIS ACCOUNT IS CHARGE OFF. # 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 2025-08-02 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: NC

Complaint narrative:
I disputed this account because it shows a charge-off date in XXXX, but continues to report charge-off activity and updates into XXXX. This is a form of re-aging, which violates FCRA 605 ( a ). The account should only be reported for 7 years from the original delinquency date.

Additionally, the account shows a past due balance even though it is charged off, which violates Metro 2 formatting standards and FCRA 607 ( b ). I requested validation, including the original contract, itemized billing, and evidence of permissible purpose, but the company failed to provide this.

The information being reported is incomplete, inaccurate, and misleading. I am requesting the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cordoba Legal Group, PLLC.
State: CO

Complaint narrative:
Because we pay alot of money for application process and different fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Account XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX I have disputed this account several times for this account reporting fraudulent on my consumer report. Experian has continuous failed to provide the necessary information proving to me that this account is reporting accurate. Experian is conducting sham investigations which is a violation of federal law. My records I have provided to Experian shows this account was never paid late, but yet Experian still refuses to properly investigate and remove this account from reporting late. I am prepared to file a Federal Lawsuit on Experian.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  # XXXX - Date Opened XX/XX/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 2025-08-02 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: MS

Complaint narrative:
Subject : Formal Dispute of Inaccurate Account Reporting Closed Accounts Paid in Full and in Good Standing To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Equifax credit report. After reviewing my credit file, I noticed that certain accounts that were paid in full and closed in good standing are either : Incorrectly listed as derogatory, Shown with negative payment history, and Not reflecting their proper paid/closed in good standing status.

These inaccuracies are negatively impacting my credit profile and may lead to unjust denial of credit opportunities. 

Below are the account details in question : XXXX Name : XXXX XXXX Account Number XXXX Issue : Account was paid in full and closed in good standing, but is being reported as inaccuracy :, LAST PAYMENT, WORST PAYMENT STATUS AND CHARGE-OFF. 

XXXX Name : XXXX  Account Number XXXX Issue : Account was paid in full and closed in good standing, but is being reported as insert inaccuracy : REPORTED BALANCE, MONTHLY PAYMENT, LAST PAYMENT, PAYMENT STATUS, WORSTPAYMENT STATUS. 
Supporting Documentation Included : Most recent copy of my Equifax credit report ( highlighted ) My identification documents ( drivers license and utility bill ) I am requesting that Equifax immediately investigate and correct these inaccuracies to reflect the accurate status of the accounts as closed, paid in full, and in good standing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that the results of this dispute be shared with me in writing within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX a ) : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY These accounts should not be furnished on my computer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts listed IMMEDIATELY! 

XXXX XXXX - {$130.00} opened XX/XX/XXXX XXXX XXXX XXXX - {$700.00} opened XX/XX/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