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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have lost all trust in disputing accounts on Transunion. 

I am disputing the inaccurate and misleading reporting of a XXXXXXXX XXXX XXXX  account ( ending in XXXX ) by TransUnion. 

This account was charged off and closed on XX/XX/XXXX, yet TransUnion is still reporting updates that are legally and factually improper : TransUnion lists a Last Payment Made on XX/XX/XXXX, more than two years after the account was closed and charged off. 
The Date Updated is XX/XX/XXXX, which falsely re-ages the tradeline and extends its negative impact beyond the time allowed under federal law. 
The account is being reported as both Paid in Full and Charge-Off, which is inherently contradictory and misleading to future lenders and underwriters. 
TransUnion reports a high balance and credit limit from XX/XX/XXXX to XX/XX/XXXX, despite the account being closed since XXXX. 
Payment history shows a {$2600.00} past-due balance in XX/XX/XXXX, which is false because no payment should be due after the charge-off and closure date. 

These contradictions violate multiple sections of the Fair Credit Reporting Act : FCRA 605 ( c ) : The 7-year reporting window must be based on the original Date of First Delinquency ( DOFD ), not updated based on post-closure activity. TransUnion is improperly re-aging the account.

FCRA 1681i and 1681s-2 ( b ) : TransUnion failed to ensure the maximum possible accuracy and failed to correct false information.

These reporting practices also violate Metro 2 compliance guidelines, which prohibit updating account balances, credit limits, or payment histories after an account has been closed and charged off.

The hybrid reporting of charge-off and paid in full, combined with continued updates, distorts the status of the tradeline. This tactic has been flagged in federal case law, including XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), where the court ruled that misleading post-charge-off updates can be grounds for FCRA violations. 

Harm I am a stay-at-home grandmother with no income and no assets. I depend solely on my credit score to access basic necessities like housing and transportation. This false and re-aged reporting is preventing me from moving forward financially, causing credit denials, emotional distress, and long-term harm. As a financially vulnerable consumer, I should not be penalized for resolved debts through deceptive and inaccurate 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute and request the removal or correction of certain information that appears on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe is inaccurate, outdated, or unverifiable. 

I am requesting the removal of the following negative entries : All reported late payments All charged-off accounts Any debts that have been paid in full, settled, or are otherwise unverifiable Any duplicate or outdated collection accounts These negative marks do not accurately reflect my current financial situation and are unfairly impacting my creditworthiness. Some accounts may have been incorrectly reported or were affected by financial hardship during unforeseen circumstances. I am requesting a full investigation into these items and their removal if they can not be provided remove it asap.

I ask that any inaccurate or unverifiable information be removed from my credit report immediately. Additionally, please send me a confirmation in writing once this investigation has been completed. 

If you require any additional information or documentation from me to proceed, please let me know promptly. I appreciate your time and attention to this matter and look forward to a timely resolution.

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: NC

Complaint narrative:
I am a victim of identity theft. I recently took. a look at my credit reports and it shows I have more that XXXX account with the same companies

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: NC

Complaint narrative:
I am a victim of identity theft. I recently took. a look at my credit reports and it shows I have more that XXXX account with the same companies

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion LLC for their continued inaccurate and harmful reporting of a charged-off account that has long exceeded the permissible reporting period under the Fair Credit Reporting Act ( FCRA ). 

The account in question reflects a charge-off status ( Rating : C/O ) with a balance of {$11000.00}. The Date of XXXX  Delinquency ( DOFD ) appears to have occurred in mid to late XXXX, based on XXXX own reporting history showing Past Due as early as XX/XX/XXXX and continuous delinquencies thereafter. 

Despite this, TransUnion continues to update the tradeline monthly through at least XX/XX/XXXX, marking it as C/O with an active balance. This conduct violates : FCRA XXXX ( a ) ( XXXX ) : No adverse item may be reported more than XXXX  years from the date of first delinquency. 
FCRA XXXX ( a ) : TransUnion has failed to update or remove obsolete data despite its legal obligation to ensure maximum accuracy. 
XXXX XXXX Format Guidelines : TransUnion reported OK ratings for several months ( XXXX ) during periods also marked as Past Due, a direct violation of credit industry standards. 

This outdated, misleading, and inconsistent reporting has caused me significant harm : I have been denied credit and subject to higher interest rates. 
I rely entirely on my credit profile to support my family as the sole working member of my household. 
This account unfairly deflates my credit score, and continued reporting past the XXXX window creates a false appearance of ongoing delinquency, despite the debt being charged off.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act (FCRA). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with 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: NH

Complaint narrative:
I am a victim of identity theft. A fraudulent collection account from XXXX XXXX XXXX ( Account # XXXX ) is showing on my TransUnion credit report. 
I submitted my FTC Identity Theft Report ( Report # XXXX ) to TransUnion to request a block under FCRA 605B ( 15 U.S.C. 1681c2 ).

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: NH

Complaint narrative:
I am a victim of identity theft. A fraudulent collection account from XXXX XXXX XXXX ( Account # XXXX ) is showing on my TransUnion credit report. 
I submitted my FTC Identity Theft Report ( Report # XXXX ) to TransUnion to request a block under FCRA 605B ( 15 U.S.C. 1681c2 ).

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, inn accordance with the Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, please provide the nnames and business addresses of each individual with whom you verified the above so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I do not what this I did not even receive information on what this is. I am just not seeing this on my report as negative remark and I do not like it and i would like it to be removed. I know the amount is XXXX and the account number from the credit report is XXXX. The debt is from XXXX XXXX XXXX

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 — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax regarding their continued inaccurate, misleading, and unlawful reporting of a XXXX XXXX XXXX ( XXXX ) credit card account. 

This account was charged off years ago, with a Date of First Delinquency ( DOFD ) of XX/XX/XXXX. Despite this, Equifax is still : Reporting a charge-off ( CO ) status every month through XX/XX/XXXX Listing a Date Reported of XX/XX/XXXX, which unlawfully re-ages the account Showing a {$0.00} balance, {$11000.00} available credit, and Paid and Closed status while simultaneously reporting it as a current charge-off Omitting any Date of Last Activity, obstructing proper time-based reporting analysis This type of contradictory and extended reporting violates : FCRA 605 ( c ) : The XXXX reporting period must begin no later than 180 days after the original DOFD. Updating the Date Reported in XXXX is an unlawful re-aging of the account. 
FCRA 1681s-2 ( b ) : Equifax has a duty to ensure maximum possible accuracy, yet they continue to publish data that is materially false and misleading. 
XXXX XXXX Guidelines : A charge-off is a one-time event, not a rolling XXXX derogatory narrative. Once charged off and resolved, the account must be frozen and reported as static. Re-reporting CO month after month violates the Account XXXXtatus and Payment Rating field rules. 
XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Courts have found that continued derogatory coding of a resolved tradeline can violate the FCRA if it misleads lenders. 

Equifaxs reporting makes it appear that I am actively delinquent on a paid and closed account, which is factually and legally false. The hybrid status misrepresents the accounts resolution and causes unjustified harm. 



Harm I am employed and rely on my credit report to access responsible credit, housing, and financial tools. The false reporting of this resolved account as an ongoing charge-off has caused credit denials, elevated interest rates, and reputational harm. It also creates a false derogatory impression of my financial behavior that I have no ability to correct without regulatory intervention.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reporting the unauthorized use and disclosure of my personal identifying information, including my Social Security number, by one or more companies who have furnished account information to credit reporting agencies without my ongoing consent.

I did not authorize the continued sharing of my data, and this use violates my privacy and identity-based protections under federal law. I am submitting this FTC report to document the misuse of my personal information and to support my request under FCRA 605B to block these unauthorized entries from my 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 2025-07-21 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

INQUIRIES : XXXX XXXXXX/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 2025-07-21 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: CA

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, inn accordance with the Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, please provide the nnames and business addresses of each individual with whom you verified the above so that I may follow up. 

Please forward me an updated credit report after you have completed your investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am a victim of identity theft and have identified unauthorized accounts and inquiries on my credit report. These items are not mine and should be removed.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and delete the fraudulent information. Attached are my FTC Identity Theft Report and a list of the disputed items.

Please confirm once the investigation and removal are complete.

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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm filing this to report additional fraudulent credit accounts that were opened without my authorization due to identity theft. The following accounts appear on my credit report and were not opened by me. XXXX XXXX account ending in XXXX opened XXXX. XXXX account ending XXXX opened XXXX. XXXX XXXX account ending in XXXX opened XXXX. XXXX account ending in XXXX XXXX. XXXX XXXX account ending in XXXX opened XXXX. I first discovered these unauthorized accounts in XXXX. I did not apply for or approve any of these accounts and request they be blocked and removed from my credit report immediately. In accordance with FCRA section 605B 15 U.S.C. section 1681c-2, I request these items be deleted within XXXX business days. Please confirm in writing once the deletions are complete.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint regarding the continued reporting of a terminated XXXX auto lease account ( account ending in XXXX ) on my TransUnion credit report. The account was opened on XX/XX/XXXX and the final payment was made on XX/XX/XXXX, as reflected in the credit file. The status line shows XXXX XXXX XXXX, and no payments have been made or received since XXXX. 

Despite this, TransUnion continues to report this account as a Current Account and is still including it on my credit file as of XX/XX/XXXX, well beyond the XXXX reporting window allowed under the Fair Credit Reporting Act ( FCRA ) 605 ( a ). The report even lists Estimated Month and Year This Item Will Be Removed as XX/XX/XXXX, which has long passed. 

This is a clear violation of : FCRA 605 ( a ) ( 4 ) which prohibits reporting obsolete accounts beyond 7 years from the date of first delinquency or final activity.

FCRA 1681i ( a ) failure to maintain and update accurate information in a timely manner.

By keeping this outdated and misleading tradeline on my report, TransUnion is actively harming my credit profile, distorting my debt-to-income ratio, and creating an unfair obstacle to accessing credit or favorable terms. I rely solely on my creditworthiness, as I am the financial provider for my household.

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
I am submitting this compliant against ChexSystems for reporting and potentially trading or selling my personal consumer data without my consent. Specifically, chexsystems is reporting an account from XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX with a charge-off amount of {$200.00} and a closure date of XXXX. This account is associated with my ss # and is inaccurate, unverified and reported without my consent. I have not authorized ChexSystems to report, sell or distribute this information beyond what is explicitly allowed under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. This is a clear violation of : 15 USC 1681b ( Permissible purposes of consumer reports, 15 USC 1681e ( b ) ( Reasonable procedures to assure accuracy ), 15 USC 1681i ( Obligation to reinvestigate disputed information ). and 15 USC 1681g ( Right to obtain a copy of your file ). I submitted a compliant number XXXX but put the wrong company information so I'm redoing this complaint. I'm resubmitted a formal dispute and demand letter to Chex systems on XXXX XXXX  and have requested for reinvestigation and full deletion of the account unless they can verify its accuracy and legal reporting. I request CFPB investigate Chex systems handling of this data ensure compliance with federal laws.

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