vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: MA

Complaint narrative:
I am formally disputing a XXXX XXXX account ( Account # XXXX ) that is reporting inaccurately across all three credit XXXX, Experian, and XXXX being settled and paid in full through court litigation proceedings earlier this year. This account was opened fraudulently without my knowledge or consent by my ex-wife, and I was not aware of its existence until I discovered it during a routine mortgage review. 

Upon legal resolution, I was explicitly told by the court and creditors counsel that the account would be reported as paid and updated across all credit bureaus. However, months later, it continues to reflect different balances, statuses, and derogatory coding across the bureaus. For example : TransUnion shows a charge-off of {$53000.00}, " profit and loss write-off '' as of XX/XX/XXXX, with XXXX months of CO coding. 

XXXX  shows the account as paid, but also still coded as a charge-off, and inconsistently reflects the last payment as XX/XX/XXXX, which is legally inaccurate. 

XXXX  states " PAID CHARGE OFF FIXED RATE '' but still reflects CO derogatory marks through XX/XX/XXXX, and the balance shows {$0.00} yet status is still " charge-off ''. 

This is a clear and willful violation of the Fair Credit Reporting Act, including : FCRA XXXX ( b ) failure to report with maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) failure to update or correct incomplete or XXXX XXXX XXXX XXXX Compliance Guidelines inconsistent or misleading status/payment history across XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must conduct independent, thorough reinvestigations XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) reporting misleading payment status post-resolution is unlawful Additionally, the creditor was instructed through litigation to submit deletions or corrections, which has clearly not been fully honored. This is now materially harming my mortgage qualification process, suppressing my XXXX XXXX, and exposing me to financial loss.

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 2025-05-06 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, the item must be removed from my credit report in accordance with federal law.

I have submitted a sworn affidavit confirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I formally request that you take immediate action to delete or block the affected items in order to prevent further escalation.

Should you fail to verify the item as required under the FCRA and continue to report it, I will be forced to pursue legal remedies, including actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of the applicable statute is enclosed for your reference.

Please be advised that I reserve the right to initiate legal proceedings in any competent state or federal court, including small claims court within my jurisdiction. I trust that you will act promptly and in good faith to resolve this matter 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 non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX  XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX U.S.C XXXX section XXXX A. XXXX 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-06 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information determined to be the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If verification can not be completed, you are obligated by law to remove the item from my credit report.

I have submitted a sworn affidavit affirming that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Therefore, I respectfully demand that you take immediate action to delete or block the disputed items to prevent further escalation.

If you fail to verify the item as required by the FCRA and continue to report it, I will have no choice but to pursue legal remedies. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. A copy of this statute is enclosed for your reference.

Be advised that under this provision, I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court in my jurisdiction. I trust you will address this matter promptly and in good faith.

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 2025-05-06 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: NV

Complaint narrative:
As of XXXX XXXX XXXX the misreporting by XXXX XXXX, ACCT # XXXX in the amount of {$740.00} has been deleted from my XXXX  Credit Report and I demand that it now be deleted from my Transunion and Equifax reports as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CREDIT COLLECTION SERVIC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$860.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CREDIT COLLECTION SERVIC but to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: AR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-05-06 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), you are legally required to verify the accuracy and validity of the disputed item within 30 days of receiving this notice. Additionally, any information identified as the result of a data breach must be deleted or blocked within four ( 4 ) business days of receipt of this letter. If you are unable to verify the item, you are obligated under federal law to remove it from my credit report. 

I have submitted a sworn affidavit attesting that my consumer credit report contains clear evidence of fraud and unauthorized inquiries. Accordingly, I formally request that you take immediate action to delete or block the disputed items in order to prevent further escalation. 

If you fail to verify the item in accordance with the FCRA and continue to report it, I will have no choice but to pursue legal action. This includes seeking actual damages and declaratory relief under FCRA 616 Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ]. For your reference, a copy of the applicable statute is enclosed.

Please be advised that I reserve the right to initiate legal proceedings in any appropriate state or federal court, including small claims court in my jurisdiction. I trust that you will resolve this matter promptly and in full compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-05-06 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: TN

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: TN

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 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 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, 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 2025-05-06 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: AZ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I am filing this complaint to challenge an account on my credit report that I believe includes incorrect and incomplete information. I have submitted several disputes, yet the issue has not been resolved, and there is no sign that a full or proper investigation was completed. 

This ongoing issue has caused serious emotional stress and is now affecting my everyday life. The continued delays and lack of action are both upsetting and discouraging. 

I want to make it clear that this is a legitimate and specific dispute. I am not asking for generic responses or form letters. I personally prepared and submitted each of my disputes, including all required identification and supporting documents. As outlined in the Fair Credit Reporting Act, you are responsible for carrying out a full and fair reinvestigation of the item in questionnot just the tradeline, but all related details, codes, and data points. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
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 accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX * * * * Balance : {$6300.00} XXXX  XXXX * * * * * * Balance : {$19000.00} XXXX XXXX * * * * * * Balance : {$2900.00} XXXX OF XXXX * * * * Balance : {$2000.00} XXXX XXXX * * * * * * * * * * Balance : {$1300.00} XXXX XXXX XXXX * * * * Balance : {$1400.00} 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 accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX * * * * * * * * * * Balance : {$2800.00} XXXX CARD XXXX * * * * Balance : {$11000.00} XXXX  XXXX * * * * * * * * * * Balance : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX installment loan accounts with XXXX XXXX XXXX, both of which are marked as paid and closed. However, both accounts are still reporting late payments ( XXXX and XXXX days past due ), despite the fact that I have fully repaid both loans in full. 

Account # 1 : Opened : XX/XX/year> Late Payments Reported : XXXX days in XX/XX/year>, and XXXX days in XXXX and XX/XX/year> Account # XXXX : Opened : XX/XX/year> Late Payment Reported : XXXX days in XX/XX/year> I contacted Possible Finance to request a goodwill adjustment or removal of these late marks, due to my full repayment and the fact that the accounts are now closed. I have not received a response. I also filed disputes with the credit bureaus, but the results did not correct or remove the negative items. 

These derogatory marks are negatively affecting my credit even though I acted in good faith and repaid what I owed. I am respectfully asking the CFPB to assist in having these late payment entries removed or corrected to reflect paid as agreed.

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