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

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( 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 instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) 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 four 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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: GA

Complaint narrative:
My ongoing credit reporting issues, which are significantly impacting my ability to purchase a home and obtain credit. My date of birth is XX/XX/year>, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I have encountered multiple inaccuracies on my credit report, which have led to serious consequences in my financial life, particularly regarding my efforts to secure a mortgage for a home purchase. These errors have made it challenging for me to qualify for loans and have resulted in unfavorable terms when I do receive credit offers. 

1. * * Home Purchase Delays : * * My dream of owning a home has been stalled due to these inaccurate credit reports. Lenders are hesitant to approve my mortgage application based on the erroneous information reflected in my credit report, causing me to miss out on potential home-buying opportunities.

2. * * Increased Stress and XXXX : * * The continuous stress and XXXX stemming from these credit issues have taken a toll on my mental well-being. The uncertainty regarding my financial future and the inability to secure a stable home environment has created significant emotional strain. 
3. * * Limited Credit Acceptance : * * The discrepancies in my credit report have also resulted in denied credit applications or offers with unfavorable terms, such as high-interest rates. This limited access to credit is hindering my ability to make necessary purchases, such as a reliable vehicle or other essential items.

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: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
My ongoing credit reporting issues, which are significantly impacting my ability to purchase a home and obtain credit. My date of birth is XX/XX/year>, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

I have encountered multiple inaccuracies on my credit report, which have led to serious consequences in my financial life, particularly regarding my efforts to secure a mortgage for a home purchase. These errors have made it challenging for me to qualify for loans and have resulted in unfavorable terms when I do receive credit offers. 

1. * * Home Purchase Delays : * * My dream of owning a home has been stalled due to these inaccurate credit reports. Lenders are hesitant to approve my mortgage application based on the erroneous information reflected in my credit report, causing me to miss out on potential home-buying opportunities. 

2. * * Increased Stress and XXXX  : * * The continuous stress and XXXX stemming from these credit issues have taken a toll on my mental well-being. The uncertainty regarding my financial future and the inability to secure a stable home environment has created significant emotional strain. 
3. * * Limited Credit Acceptance : * * The discrepancies in my credit report have also resulted in denied credit applications or offers with unfavorable terms, such as high-interest rates. This limited access to credit is hindering my ability to make necessary purchases, such as a reliable vehicle or other essential items.

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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
To the Consumer Financial Protection Bureau, The initial information held for the account contained significant inaccuracies, including the name, contact number, address, and the amount due. 
A complaint was submitted to Bridgecrest regarding these errors, with the expectation that they would investigate and correct the information based on the details provided. However, upon submitting the complaint, Bridgecrest updated their internal records to reflect the correct information. This made it appear as though no inaccuracies existed when the formal complaint was filed. 
This raises concerns about their practices and potential attempts to obscure or downplay the extent of the initial inaccuracies. The CFPB is requested to investigate Bridgecrest 's handling of this matter, considering their use of incorrect information and the subsequent changes made when the complaint was submitted. Changes reflect even the amount owed as well as paid. Past due status, Reported dates and more. 
Supporting documents, including initial account statements and any correspondence that reflects the incorrect information used by Bridgecrest and attempts to rectify it, can be provided. 
Their actions has cause life altering consequences for me. I am requesting the profile be completely removed from all reporting credit agencies immediately. 
Thank you for your time and assistance in this matter. 
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 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I'm asking for your assistance to look into accounts that are inaccurately flagged for late payments. My credit report shows certain accounts marked as late, which is incorrect. There should be no late payment notationsplease remove them and update the accounts to show the positive status we agreed on. The account marked delinquent is also incorrect and needs to be disputed and changed to reflect on-time payments.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: TX

Complaint narrative:
Hi there my name is XXXX XXXX. I reached out late last year after I XXXX XXXX  as I found several fraudulent accounts in my credit report that was opened by my father while I was in XXXX. I did my very best to pay on these as my Mom told me it would help my father but he is no longer in our life and I didn't open these accounts. For a while the Experian wasn't reporting from original creditor of XXXX as XXXX agreed it was opened by someone with another phone number other then mine 1st account is XXXX XXXX XXXX  ( acct # XXXX for {$1600.00} ) as they bought this fraud account from XXXX and now once again it's on my credit report? I reached out several times to XXXX and they have not done anything as they just continue to call and send letters as they don't care it was opened by someone else. 

2nd account is XXXX XXXX ( acct # XXXX for {$990.00} ). Original creditor was XXXX XXXX XXXX. This says " Paid Off '' on my credit report but also shows as collection. Again this was opened years agio by my Dad under my SSN and after I XXXX  I couldn't pay all of these bills as they were not mine and I had no job I would like those two removed from my Credit report please! Thank you Lastly I have 3 " late '' pay showing on XXXX XXXX for my student loans from college. I have never been late ever. I have discussed with XXXX XXXX and experian and they both say they made a mistake and those belong to my brother who is XXXX years older and he has college loans with XXXX XXXX as well. Please remove those to show on time please Thank you for your help on these 3 items

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: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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

Complaint narrative:
Summary : I am disputing inaccurate and harmful credit reporting by XXXX XXXX for a student loan I was unaware they serviced. 
What happened : My only known student loan was with XXXX XXXX, in deferred status. I had no prior relationship or account with XXXX. I did not receive mailed statements or verified notification that my loan was transferred to XXXX. The only contact was through emails that appeared to be phishing attempts, which I reasonably disregarded. 
XX/XX/year>, my credit score dropped XXXX points due to XXXX reporting my account as 90+ days late. Upon calling XXXX, I was told they could defer the account and remove the missed payments from their records which they have done. This demonstrates that the original derogatory reporting was the result of a servicing/communication failure, not a refusal to pay. 
Despite correcting their internal records, XXXX has not ensured the removal of this inaccurate negative mark from the credit bureaus. This inaccuracy has caused significant harm to my credit standing and financial opportunities. 
I am requesting that XXXX immediately update all credit bureaus to reflect the accurate status of my account deferred with no missed payments and delete the prior derogatory reporting. I also request that the CFPB review their servicing practices, as there appear to be numerous public complaints from borrowers experiencing the same lack of notice and resulting credit damage.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Summary : I am disputing inaccurate and harmful credit reporting by XXXX XXXX for a student loan I was unaware they serviced. 
What happened : My only known student loan was with XXXX XXXX, in deferred status. I had no prior relationship or account with XXXX. I did not receive mailed statements or verified notification that my loan was transferred to XXXX. The only contact was through emails that appeared to be phishing attempts, which I reasonably disregarded. 
XX/XX/year>, my credit score dropped XXXX points due to XXXX reporting my account as 90+ days late. Upon calling XXXX, I was told they could defer the account and remove the missed payments from their records which they have done. This demonstrates that the original derogatory reporting was the result of a servicing/communication failure, not a refusal to pay. 
Despite correcting their internal records, XXXX has not ensured the removal of this inaccurate negative mark from the credit bureaus. This inaccuracy has caused significant harm to my credit standing and financial opportunities. 
I am requesting that XXXX immediately update all credit bureaus to reflect the accurate status of my account deferred with no missed payments and delete the prior derogatory reporting. I also request that the CFPB review their servicing practices, as there appear to be numerous public complaints from borrowers experiencing the same lack of notice and resulting credit damage.

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