vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX To : Transunion XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by XXXX XXXX, or TransUnion. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$870.00} from XXXX XXXX and {$330.00} from XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, complete and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. There's also three more accounts listed on my Transunion report that need to be removed and are listed below : 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  Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 

Warm regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
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 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 2025-05-20 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: FL

Complaint narrative:
I am requesting a full and thorough reinvestigation of ALL the disputed information in the letter attached to this complaint. To date, no corrections have been made, despite the clearly identified inaccuracies and inconsistencies I raised. I am again disputing the accuracy and completeness of the information being reported in this account. In accordance with the FCRA, I am also requesting a description of the procedures used to verify the accuracy and completeness of ALL the disputed information that came back verified. You are legally obligated to provide this information as part of your reinvestigation. If ALL the disputed information can not be corrected, or if you fail to provide the description of the procedures used to verify it, you must delete each account from my credit report to comply with your obligations under the FCRA.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Reviewing my activity and noticed a past due fee. I called to get it removed because it posted the same day that my payment was due. I also requested the prior month, XXXX be credited as well. When the rep would not remove XXXX, I asked for a supervisor. The senior account supervisor, XXXX explained they have no grace period and the late fee is assessed after a specific time on the due date. How predatory and hypocritical. I am a valued customer as long as the activity is in their best interest but not mine. How can I pay down my debt if late fees are charged on the due date? Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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 2025-05-20 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:
What happened? 
I am filing this follow-up complaint regarding Equifaxs failure to properly investigate and correct outdated and closed late payment entries reporting on my credit file. These entries concern two XXXX XXXX accountsaccount number XXXXXXXX XXXX XXXX XXXX XXXX, reporting a late payment from XX/XX/XXXX, and account number XXXXXXXX XXXX XXXX XXXX XXXX, reporting a late payment from XX/XX/XXXX. Both of these accounts are closed and show a {$0.00} balance with no outstanding or active past due amount. Despite this, Equifax continues to flag them with derogatory late payment marks, which misrepresents their current status and violates my rights under the Fair Credit Reporting Act. 

These inaccuracies continue to affect my creditworthiness even though the accounts in question are no longer active, relevant, or indicative of my current financial behavior. Given that both accounts are reporting as paid and closed, retaining outdated derogatory remarks is misleading and unjust. This raises serious concerns about whether Equifax is engaging in the sham investigations recently identified by the CFPB. As noted in recent legal action filed by the Consumer Financial Protection Bureau, Equifax has a documented pattern of failing to conduct proper reinvestigations. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to thoroughly and lawfully investigate disputed items. Moreover, under 15 U.S.C. 1681i ( a ) ( 5 ), any unverifiable or inaccurate item must be corrected or deleted. Equifaxs failure to do so in my case further confirms the CFPBs findings of inadequate investigative procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: GA

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with the necessary proof of investigation.

Accounts marked as inaccurate : Account ending in XXXX Account ending in XXXX Account ending in XXXX Account ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: NY

Complaint narrative:
RE : NEW INFORMATION DISPUTE OF INACCURATE PAYMENT REPORTING Account : Dept. of Education / XXXX  Account ending in XXXX To Whom It May Concern : This letter supplements my prior dispute regarding the above-referenced account. I am now providing new, material information pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 1681i ( a ) ( 3 ), which obligates Experian to reinvestigate previously disputed information when new relevant evidence is presented. 
Issue : This account was in a deferment status at the time the alleged delinquencies were reported in early XXXX. The credit report itself confirms that no payments were due until XX/XX/year>. 
Despite that, this account shows 90- and 120-day late payments, which are both inaccurate and materially misleading. 
Legal Grounds : - FCRA 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

- FCRA 1681s-2 ( a ) : Prohibits data furnishers from reporting information known to be inaccurate.

- FCRA 1681i ( a ) : Requires deletion of disputed items that can not be verified.

- FCRA 611 ( a ) ( 7 ) : Requires disclosure of the method used to verify disputed information. 
Request : 1. Reinvestigate the reporting of late payments on this account ; 2. Obtain and provide documentation from the Dept. of EducationXXXX that proves these late payments were valid despite the deferment ; 3. Permanently delete any unverifiable or inaccurate late payment marks from my credit file under FCRA 1681i ( a ) ( 5 ) ( A ) ; 4. Provide me a description of the procedure used in this reinvestigation. 
If you do not provide verifiable documentation, this entry must be permanently deleted. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies if necessary. 

I am giving your company 15 days to respond to 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 2025-05-20 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: NY

Complaint narrative:
RE : NEW INFORMATION DISPUTE OF INACCURATE PAYMENT REPORTING Account : Dept. of Education / XXXX  Account ending in XXXX To Whom It May Concern : This letter supplements my prior dispute regarding the above-referenced account. I am now providing new, material information pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 1681i ( a ) ( 3 ), which obligates XXXX  to reinvestigate previously disputed information when new relevant evidence is presented. 
Issue : This account was in a deferment status at the time the alleged delinquencies were reported in early XXXX. The credit report itself confirms that no payments were due until XX/XX/year>. 
Despite that, this account shows 90- and 120-day late payments, which are both inaccurate and materially misleading. 
Legal Grounds : - FCRA 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

- FCRA 1681s-2 ( a ) : Prohibits data furnishers from reporting information known to be inaccurate.

- FCRA 1681i ( a ) : Requires deletion of disputed items that can not be verified.

- FCRA 611 ( a ) ( 7 ) : Requires disclosure of the method used to verify disputed information. 
Request : 1. Reinvestigate the reporting of late payments on this account ; 2. Obtain and provide documentation from the Dept. of EducationXXXX that proves these late payments were valid despite the deferment ; 3. Permanently delete any unverifiable or inaccurate late payment marks from my credit file under FCRA 1681i ( a ) ( 5 ) ( A ) ; 4. Provide me a description of the procedure used in this reinvestigation. 
If you do not provide verifiable documentation, this entry must be permanently deleted. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies if necessary. 

I am giving your company 15 days to respond to 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 2025-05-20 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: NY

Complaint narrative:
RE : NEW INFORMATION DISPUTE OF INACCURATE PAYMENT REPORTING Account : Dept. of Education / XXXX  Account ending in XXXX To Whom It May Concern : This letter supplements my prior dispute regarding the above-referenced account. I am now providing new, material information pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 1681i ( a ) ( 3 ), which obligates XXXX  to reinvestigate previously disputed information when new relevant evidence is presented. 
Issue : This account was in a deferment status at the time the alleged delinquencies were reported in early XXXX. The credit report itself confirms that no payments were due until XX/XX/year>. 
Despite that, this account shows 90- and 120-day late payments, which are both inaccurate and materially misleading. 
Legal Grounds : - FCRA 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy.

- FCRA 1681s-2 ( a ) : Prohibits data furnishers from reporting information known to be inaccurate.

- FCRA 1681i ( a ) : Requires deletion of disputed items that can not be verified.

- FCRA 611 ( a ) ( 7 ) : Requires disclosure of the method used to verify disputed information. 
Request : 1. Reinvestigate the reporting of late payments on this account ; 2. Obtain and provide documentation from the Dept. of Education/XXXX that proves these late payments were valid despite the deferment ; 3. Permanently delete any unverifiable or inaccurate late payment marks from my credit file under FCRA 1681i ( a ) ( 5 ) ( A ) ; 4. Provide me a description of the procedure used in this reinvestigation. 
If you do not provide verifiable documentation, this entry must be permanently deleted. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal remedies if necessary. 

I am giving your company 15 days to respond to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EXPERIAN in MAY to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

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 2025-05-20 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: CT

Complaint narrative:
In XX/XX/XXXX, I filed for XXXX  XXXX bankruptcy and received a discharge in XX/XX/XXXX. Several credit accounts, including those from XXXX and XXXX XXXX, were included in the filing and are listed on my bankruptcy schedules. 

Before my dispute, my TransUnion credit report correctly showed a long history of Current ( on-time ) monthly payments for my XXXX accounts , covering multiple years up to the bankruptcy filing. After submitting a dispute in XX/XX/XXXX, TransUnion removed this accurate history and replaced every month from XXXX  to XXXX  with Unknown, effectively erasing all positive payment history. I did not dispute those months, and no reason was provided for why verified Current entries were replaced. This change is both incomplete and misleading. 

Additionally, my XXXX XXXX account is reported by TransUnion as In Collection, even though it was clearly included in my bankruptcy case and appears correctly on my XXXX  credit report as Included in Bankruptcy. This contradicts the bankruptcy discharge protections and creates the false impression that I have post-bankruptcy collection activity. 

I submitted documentation including my bankruptcy filing, discharge, and creditor schedules to TransUnion and requested both correction and reinvestigation. As of this filing, no resolution has been provided, and my credit file remains inaccurate and misleading. These errors are harming my credit score and misrepresenting my creditworthiness to potential lenders.

I request immediate correction of these reporting inaccuracies and confirmation in writing that the issue has been resolved.

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 2025-05-20 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation