vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
CCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX ACCOUNT XXXX * XXXX * * ACCOUNT NAME : XXXX ACCOUNT XXXX * * ACCOUNT XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX * * * * ACCOUNT NAME : XXXX  ACCOUNT XXXX * * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

XXXX U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

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 2025-07-20 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: IL

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX XXXX XX/XX/XXXX for the amount of {$310.00} dollar. Was paid in full. 
and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX amount {$4300.00} and XXXX XXXX XXXX XX/XX/XXXX The amount of {$120.00} and XXXXXXXX XXXX XXXXXX/XX/XXXX Amount of {$1400.00} and XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3700.00} and XXXX XXXX XXXX  All close accounts and late payments to be removed. 
15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 : Also state a consumer reporting agency can not furnish accounts without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes witch antedates.

U.S.C 1681 5_2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I was in the process of moving to a new home and reviewing my credit report, where I found numerous errors that should have been appropriately investigated. I sent certified mail on XX/XX/year>2025, to TransUnion with all the inaccurate information, including my tracking number # XXXX. 

Due to these errors, I am unable to obtain approval for any requests, including the housing assistant and credit increase. By the end of XXXX, I will lose all my valuable belongings and become XXXX. I've attached all the necessary information that needs to be addressed.

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 2025-07-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date : XX/XX/2025 To : Consumer Financial Protection Bureau ( CFPB ) Re : Complaint Against Experian for Inaccurate and Incomplete Reporting Credit Report Discrepancy Dear CFPB Investigator, I am submitting this formal complaint against Experian Information Solutions , IncXXXX for reporting inaccurate and incomplete credit information that is significantly harming my creditworthiness. 

As shown in the attached XXXX Credit Report, my Experian score is XXXX points lower than XXXX XXXX XXXX XXXX Experian is : Failing to report several positive and current accounts that are properly listed by the other XXXX bureaus. 

Displaying unresolved or missing tradeline details that are contributing to an inaccurately low score. 

I have attempted to resolve these issues directly with Experian through dispute processes, but they have either ignored relevant documentation or provided unclear and incomplete responsesconsistent with the pattern of misconduct described in the CFPBs XX/XX/2025 complaint ( Case XXXX ). 

I am requesting that : CFPB intervene to ensure Experian conducts a full, fair, and lawful reinvestigation. 

Experian correct the inaccuracies and complete the missing data in accordance with FCRA 1681i ( a ). 

Experian is held accountable for non-compliance and pattern practices described in your own complaint. 

Please see attached : My XXXX Credit Report CFPB Complaint vs. Experian ( XX/XX/2025 ) Thank you for your time and assistance. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Email : 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 2025-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account name REGIONAL ACCEPTANCE CORP Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Voluntarily surrendered/Never late. {$1.00}, 663 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$20000.00} XXXX updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment-

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 2025-07-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 

Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes. 

XXXX - XX/XX/year> - The following inquiry was not accurately on my report. 

XXXX - XX/XX/year> - The following inquiry was not accurately on my report. 

XXXX - XX/XX/year> - The following inquiry was not accurately on my report.

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 2025-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone made a transaction without my consent or knowledge for {$720.00} and another for {$420.00}. I had called chime and they keep hanging up on me keep having me file a dispute not closing my credit account like I asked them too to avoid the same problem basically they dont help me and its been 3 months waiting for my money and help from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
XXXX XXXX XX/XX/XXXX Subject : Demand for Exclusion of Inaccurate Information from Consumer Report under 15 USC 1666b * * To Whom It May Concern : I am writing to formally demand the exclusion of specific transactions from my consumer report under the provisions of 15 U.S.C. 1666b. This statute mandates that, to be included on my credit report, creditors must provide all required disclosures per 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date.

Failure to meet this disclosure requirement invalidates these transactions ' reporting, and Experian, Equifax and TransUnion has a legal obligation to exclude such inaccurately reported information. 

The following transactions are at issue : XXXX XXXX  XXXX alleged late XX/XX/XXXX The lack of timely disclosure of these transactions violates my rights under the Truth in Lending Act, specifically sections 15 U.S.C. 1637 ( b ) and 15 U.S.C. 1666b. Courts have repeatedly upheld that credit reporting agencies must ensure the accuracy of information on consumer reports and are obligated to remove or exclude items reported without proper disclosure. 

Relevant case law includes : 1. * * XXXX XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXX ) which established that failure to provide mandatory disclosures under the Truth in Lending Act constitutes grounds for consumer protection action, affirming that consumers have the right to accurate information on their reports. 


2. * * XXXX  v. XXXX XXXX XXXX XXXX XXXX * *, XXXX XXXX XXXX ( XXXX ) which highlighted that creditors must meet strict compliance standards, including providing timely disclosures as outlined by the Truth in Lending Act. 


3. * * XXXX XXXX XXXX XXXX XXXX XXXX. XXXX * *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) which reinforced that credit reporting agencies bear a responsibility to verify the legality and accuracy of information on consumer reports, and failure to investigate properly can result in statutory violations. 

Given the above, I am requesting that Experian, Equifax, TransUnion immediately exclude these transactions from my consumer report, as their inclusion violates federal regulations and undermines the accuracy and integrity of my report. 
This demand is made in line with the requirements of the Fair Credit Reporting Act and the Truth in Lending Act. 

Please provide written confirmation within 15 days that these items have been excluded from my report. 
Failure to do so will compel me to pursue all legal remedies available, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and any necessary legal action. 
I trust that Experian, Equifax, and TransUnion will address this matter promptly and uphold its obligation to maintain accuracy on consumer credit reports. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
Disputed items on my equifax credit report in XXXX. Status of dispute has not been updated. Fcra states XXXX days to provide results. It has been more than XXXX  days. Need the items disputed to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C 1681i ) to dispute inacurate information appearing on my credit report maintained by your agency. My consumer report includes an address that is inacurate and not associated with me in any way.

The address is erroneous, and it's inclusion on my credit file constitutes a violation if my rights under the FCRA. As you are required by law to maintain maximum possible acuracy in the information you report ( 15 1681e ( b ) I request an immediate reinvestigation and removal of the inacurate address on file. Please find along with this dispute documentation verifying my correct and current home address.

In accordance with 15 U.S.C 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation failure to comply with these requirements may constitute a willful noncompliance with the FCRA and subject your agency for damages under 15 U.S.C 1681n or 1681o as applicable.

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 2025-07-20 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is reporting incorrect personal information. Please remove the incorrect personal information below you have listed on my credit report Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Name : XXXX XXXX XXXX Experian is reporting Unauthorized Hard inquiries in which i am disputing such as XXXX XXXX XXXXXX/XX/XXXX Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Address info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Date Of Birth : XXXX. Incorrect Names : XXXX XXXX Equifax is reporting Incorrect personal Information. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Incorrect Name : 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 2025-07-20 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: NC

Complaint narrative:
This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681.

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 2025-07-20 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:
This is my third formal dispute regarding the inaccurate and potentially damaging information being reported on my credit file related to the following : Account name XXXXXXXX XXXX XXXX Account number XXXX : Account name XXXX XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name XXXX  XXXX Account number XXXX Despite my previous disputes you have failed to provide sufficient verification that the information being reported is accurate and complete. According to the Fair Credit Reporting Act ( FCRA ) Section 611, you are required to ensure the completeness and accuracy of items in consumer credit reports.

I am again formally requesting that you : Conduct a proper and independent reinvestigation into this account.

Provide a description of the method used in your verification with XXXX XXXX. 
Provide the name and contact information of the person who verified the account. 
If you can not verify the accuracy within 30 days, delete the account immediately as required under FCRA 611 ( a ) ( 5 ) ( A ).

I have attached the following documents once again for your review : Copy of my ID and proof of address This account continues to reflect inaccurate information and is damaging my creditworthiness. Should you fail to address this matter appropriately and in accordance with federal law, Please respond within 30 days of receiving this letter. I expect full compliance with my rights under the FCRA.

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 2025-07-20 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act To Whom It May Concern : This letter is a formal request made pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) for TransUnion to conduct a complete investigation of all information contained in my credit file that can not be verified as accurate and timely. 

I am exercising my rights under the FCRA to dispute certain items in my credit file. At this time, I am not specifying which items I believe to be inaccurate ; however, I am requesting that TransUnion conduct a full reinvestigation of all data associated with my file, and delete or correct any information that is found to be unverifiable, inaccurate, incomplete, outdated, or otherwise fails to comply with federal consumer reporting requirements. 

In accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to complete your reinvestigation within 30 days from the date of receipt of this dispute. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), if the disputed information can not be verified, it must be promptly deleted from my credit file. 

Please mail me the results of your reinvestigation and a free updated copy of my credit report as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ).

I trust TransUnion will take this request seriously and act in accordance with the law. If you fail to comply with your legal obligations, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation