vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( XXXX ) under XXXX U.S.C. XXXX ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, XXXX might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( XXXX  ) and Fair Debt Collection Practices Act ( XXXX  ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I have education loans that reported missed payments from XXXX XXXX. After disputing the information and providing my letters and information that shows that payments were never missed as the loans are deferred until XXXX, the credit reporting company did not remove the missed payments which is causing my credit score to be extremely low. 
I contacted them and explained that I submitted the information and spoke with XXXX XXXX  who confirmed that the payments were never missed as they are in deferment. 
Also I have a sparrow credit card that was closed XXXX year ago. I have spoken with them regarding bankruptcy and they told me that they have not reported any missed payments but the credit company continues to report missed payments from sparrow. After disputing this charge, it was removed but the credit report company allowed them to report after being removed. Also, the per pay missed payment was removed then allowed to be reported again. Per the guides it states that once a creditor is removed for misinformation, they are not allowed to report on my credit again. The credit report agencies have not followed guidelines on obtaining and reporting correct information from creditors and allowing creditors to use abusive practices against debtors such as reporting misinformation to the credit 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 non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
I have education loans that reported missed payments from XXXX XXXX. After disputing the information and providing my letters and information that shows that payments were never missed as the loans are deferred until XXXX, the credit reporting company did not remove the missed payments which is causing my credit score to be extremely low. 
I contacted them and explained that I submitted the information and spoke with XXXX XXXX  who confirmed that the payments were never missed as they are in deferment. 
Also I have a sparrow credit card that was closed XXXX year ago. I have spoken with them regarding bankruptcy and they told me that they have not reported any missed payments but the credit company continues to report missed payments from sparrow. After disputing this charge, it was removed but the credit report company allowed them to report after being removed. Also, the per pay missed payment was removed then allowed to be reported again. Per the guides it states that once a creditor is removed for misinformation, they are not allowed to report on my credit again. The credit report agencies have not followed guidelines on obtaining and reporting correct information from creditors and allowing creditors to use abusive practices against debtors such as reporting misinformation to the credit 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 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXX XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} FST PREMIER - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  RESOURCE XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} INQUIRIES : XXXX  FINANCIAL Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXX SVC Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-08-12 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: OH

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-12 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: VA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX  Date : 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 2025-08-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Request for Deletion of Inaccurate Late Payments & Account Information Under FCRA To Whom It May Concern, I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. to dispute and demand the removal of inaccurate and/or unverifiable negative items from my credit file. 

After reviewing my credit reports from your agencies dated XX/XX/XXXX, I have found inaccurate and unverifiable negative entries, including but not limited to late payments and derogatory notations on the following accounts : XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : These negative items are not being reported in compliance with the XXXX accuracy, completeness, and verification requirements. Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), you are required to conduct a reasonable reinvestigation of any disputed information. If the furnisher can not provide documented evidence of the alleged delinquency including signed contracts, payment histories, and communication records the account must be corrected or deleted. 

Further, under XXXX U.S.C. XXXX ( b ), you have a legal obligation to maintain maximum possible accuracy in your reporting. Reporting unverifiable or outdated negative information violates this section. 

Additionally, under XXXX U.S.C. XXXX ( a ), outdated or obsolete information must not be reported beyond the allowable time frame. If any of these late payments or derogatory marks fall outside the permissible reporting period, they must be removed immediately. 
Demand for Action : I am formally requesting : XXXX. Immediate deletion of the disputed late payment notations and any related derogatory remarks from my credit files. 
XXXX. Written confirmation of the results of your reinvestigation and an updated copy of my credit report, as required under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( ii ). 
XXXX. Notification to any party who has accessed my credit report in the past XXXX months that the disputed items have been removed, as permitted under XXXX U.S.C. XXXX ( d ). 

If these inaccuracies are not corrected within XX/XX/XXXX days as required by law, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( XXXX  ), the Federal Trade Commission ( XXXX  ), and my State Attorney General. 

This letter serves as my formal notice to you. Please respond in writing within the legally mandated time frame. 

Sincerely, 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One misled me and didnt give me access to better savings options, as alleged by the CFPB. I believe this unfair practice contributed to financial hardship and impacted my credit. Im asking you to remove or adjust the account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Valor Intelligent Processing, LLC
State: WA

Complaint narrative:
Receiving repeated texts from " XXXX '' about a past due bill owed and I deleted instead of clicking on the link given in text to " resolve debt ''. No dollar amount given. 
I do not have an account with a company called XXXX for XXXX or XXXX. Further, in the state where I reside they are branded XXXX for over ten years. 
Today, XX/XX/year>, I received another collection attempt text with a Debt Collector Company name ; Valor Intelligent Processing showing a letterhead image with an eagle head in the letter O and images of various payment apps underneath it. Text has website link and a toll free number to reach " XXXX '' to make payment. 
Instead of automatically deleting this, I visited the FTC Fraud website to report it and re-routed to your department due to nature of text.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. U. S. C. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : FOUNDATION F - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$6200.00}

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 2025-08-12 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: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX. ) Midland Credit Management Amount said owed : {$1200.00} XXXX XXXX XXXX XXXX. ) Chap. XXXX Bankruptcy XXXX XXXX. ) Chap. XXXX bankruptcy XX/XX/XXXX Subject : Debt Dispute & Validation Request FCRA XXXX / FDCPA XXXX To Whom It May Concern : I am contacting you regarding the account listed below, which you have reported to the credit reporting agencies. I dispute the validity of this alleged debt in its entirety and request full validation. 


This is a formal dispute of the debts accuracy under FCRA XXXX ( XXXX U.S.C. XXXX ) and a request for validation under the Fair Debt Collection Practices Act ( XXXX  ) XXXX ( XXXX U.S.C. XXXX ). 

According to federal law, you must : Provide validation of the debt including the name of the original creditor, the original account number, itemized statement of the alleged amount, and proof that I am legally obligated to pay. 

Cease all collection activity, including reporting this debt to credit reporting agencies, until you provide proper validation. 

Notify the credit reporting agencies that this account is disputed. 

If you can not verify this debt within the timeframe allowed by law, you must immediately : Cease all collection activity, and Remove this account from all credit reports with Experian, Equifax, and TransUnion. 

Please provide your response in writing to the address listed above. I am keeping records of all correspondence for documentation purposes. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: IN

Complaint narrative:
Consumer Financial Protection Bureau ( XXXX  ) XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Regarding TransUnions Noncompliance with FCRA Section XXXX To Whom It May Concern, I am writing to file a formal complaint regarding the refusal of TransUnion to delete certain accounts from my credit report under Section XXXX of the Fair Credit Reporting Act ( XX/XX/XXXX). ACCOUNTS : XXXX XXXX {$990.00} and XXXX XXXX {$350.00} / INQUIRES : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX  AND XXXX  FINANCIAL. 

Despite providing the necessary documentation and a formal request for these deletions on XX/XX/year>, TransUnion has not taken the appropriate action within the required timeframe. As you know, Section XXXX mandates that when a consumer submits an identity theft report and requests a block of information resulting from identity theft, the bureau must block that information and remove it without delay. 

I have attached copies of all correspondence, my original XXXX request, and any supporting documents for your review. I respectfully ask for the CFPBs assistance in ensuring that TransUnion complies with the law and removes the disputed accounts from my credit file. 

Thank you for your prompt 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 2025-08-12 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. Code XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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