vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX Email : XXXX Initial Dispute Date : XX/XX/XXXX Most Recent Follow-Up Date : XX/XX/XXXX Subject : Ongoing Non-Compliance and Failure to Reinvestigate or Verify Disputed Credit Report Items I am submitting this formal complaint against the three national consumer reporting agencies Equifax, Experian, and TransUnion due to their repeated and ongoing failure to correct, remove, or validate multiple inaccurate and unverifiable items on my credit file. Despite several dispute attempts, including a formal follow-up on XX/XX/XXXX, these credit bureaus have failed to take meaningful action. 

Their inaction constitutes a clear violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of information in the consumer 's credit file Disputed Items Still Unresolved : XXXX XXXX Balance : {$3300.00} Account Number : XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} Unverified or Unjustified Hard Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX entries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX Despite my efforts, the bureaus have failed to : Disclose the method and procedures used to verify these accounts and inquiries Provide the names and contact information of the data furnishers Produce any documentation used to substantiate the continued reporting of the disputed 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 2025-07-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: FL

Complaint narrative:
I disputed a previous installment loan that had absurd fees and was told it was taken care of on my credit report. All of a sudden XXXX XXXX XXXX decides to call me then call my father after I told them not to contact me. This is absurd and has caused a bigger issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

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 2025-07-22 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-22 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: NJ

Complaint narrative:
A fraudulent account has appeared on my credit report as a result of identity misuse. I did not authorize or initiate this account, and it is harming my financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/year> {$100.00} was deducted from a saving account to credit card on XX/XX/year> I call the credit card company when will the money be posted to my account i could not get a date from the rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Never receive response or documentation of debt disputed with both credit bureaus were still remains on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-22 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:
All these accounts within the attachments explains that my consumer rights are being violated and they should be removed from all three credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
I am submitting this complaint to dispute multiple negative credit items that remain on my credit reports despite being inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ). These items are impacting my ability to access affordable credit. 

Key Issues : XXXX XXXX ( 2 accounts ) : These accounts were charged off and reported with inconsistent data across bureaus. One account reports 20 months of negative history, the other 17, with varying balances and statuses. I previously disputed them and the furnisher failed to provide proper verification. 
XXXX XXXX : This account was charged off, but the payment history across the three major bureaus is inconsistent and unverifiable. One report shows 18 late payments, another omits payment history entirely. No documentation was provided in response to my dispute. 
XXXX XXXX  XXXX XXXX ( XXXX / XXXX ) : Account shows late payments that are not supported by complete records or contract history. The account was closed by the grantor and should not reflect ongoing derogatory marks. 
XXXX XXXX XXXX  : This active account is reporting a late payment despite timely payments reflected in my banking history. My written disputes were either ignored or dismissed without evidence from the furnisher. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with current FICO models and updated reporting practices regarding paid collections. 
Actions Taken : On or around XX/XX/XXXX, I submitted formal written disputes to Experian, Equifax, and TransUnion. 
I requested removal of the accounts that could not be verified with original documentation ( per FCRA 611 ). 
I received generic responses stating investigation complete with no supporting documentation or correction. 
These accounts continue to harm my credit standing despite my efforts to resolve them through the proper channels. I am requesting the CFPBs assistance in compelling the credit bureaus and data furnishers to conduct a lawful reinvestigation and permanently delete the disputed accounts unless verified with documentation.

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 2025-07-22 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: MD

Complaint narrative:
I am submitting this complaint to dispute multiple negative credit items that remain on my credit reports despite being inaccurate, unverifiable, or reported in violation of the Fair Credit Reporting Act ( FCRA ). These items are impacting my ability to access affordable credit. 

Key Issues : XXXX XXXX ( 2 accounts ) : These accounts were charged off and reported with inconsistent data across bureaus. One account reports 20 months of negative history, the other 17, with varying balances and statuses. I previously disputed them and the furnisher failed to provide proper verification. 
XXXX XXXX : This account was charged off, but the payment history across the three major bureaus is inconsistent and unverifiable. One report shows 18 late payments, another omits payment history entirely. No documentation was provided in response to my dispute. 
XXXX XXXX  XXXX XXXX ( XXXX / XXXX ) : Account shows late payments that are not supported by complete records or contract history. The account was closed by the grantor and should not reflect ongoing derogatory marks. 
XXXX XXXX XXXX  : This active account is reporting a late payment despite timely payments reflected in my banking history. My written disputes were either ignored or dismissed without evidence from the furnisher. 
XXXX XXXX ( original creditor : XXXX XXXX XXXX ) : This collection was settled in XXXX for less than the full balance and marked paid. However, it remains on my report, which conflicts with current FICO models and updated reporting practices regarding paid collections. 
Actions Taken : On or around XX/XX/XXXX, I submitted formal written disputes to Experian, Equifax, and TransUnion. 
I requested removal of the accounts that could not be verified with original documentation ( per FCRA 611 ). 
I received generic responses stating investigation complete with no supporting documentation or correction. 
These accounts continue to harm my credit standing despite my efforts to resolve them through the proper channels. I am requesting the CFPBs assistance in compelling the credit bureaus and data furnishers to conduct a lawful reinvestigation and permanently delete the disputed accounts unless verified with documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is in response to your recent communication regarding the results of my CFPB complaint XXXX submitted on XX/XX/year> Your request for discharged bankruptcy documentation is both inappropriate and baseless, as I have never filed for bankruptcy at any point in my life. Therefore, there is no such documentation to provide. 
Your statement that the bankruptcy record belongs to me and is reporting correctly is categorically false. By continuing to report inaccurate and unverifiable information, you are in violation of : FCRA Section 611 Failure to remove inaccurate, incomplete, or unverifiable information ; FCRA Section 623 Reporting information with actual knowledge of errors ; FCRA Section 607 ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

You are now on notice that : 1. I demand immediate deletion of the alleged bankruptcy from my credit file ; 2. You must provide the source of this record and proof of how you verified it ; 3. Failure to correct this false entry will result in escalation, including : Filing an escalated complaint with the CFPB ; Notifying the FTC and my state attorney general ; Considering legal action for damages under the FCRA. 

This is your opportunity to correct the record and avoid further liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: LA

Complaint narrative:
Since XXXX  my name and social was compromised Ive sent letters requesting XXXX  XXXX  credit bureaus remove XXXX XXXX XXXX information from my file as of today Transunion still have this fraudelent person information in my credit file This person has a car and a home in my name in the State of Texas

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 2025-07-22 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:
There are unauthorized inquiries that do not belong to me, this is wrong and i never applied for this my credit has been a victim of identity theft 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 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 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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc.
State: CO

Complaint narrative:
I didnt know I owed the debt or that I could dispute it, I applied for an apartment and was told that I owed it, I have lawyer fees and court fees and never went to court or got served so I could dispute it I set a payment plan but I believe its hindering my ability to find a new place to Live because its on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I recently reviewed my credit report and discovered several inquiries that I did not initiate. I am highly concerned about how these entries appeared without my consent or prior knowledge.

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 2025-07-22 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief