vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: WI

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
hello I have tried to update my information to Experian credit report agency, especially my address where Im living over 6 month but no luck, I have updated my info in my bank accounts, but in credit bureaus didn't updated yet, so please help me to fix this

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 2025-04-29 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Transunion Report showed several inquiries on my report and I did not authorize them. I reached out to the companies and got no response. 

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 XXXXXX/XX/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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
I refinanced a student loan with SOFI Bank in XX/XX/XXXX ; this account was being serviced through XXXX. My opening balance was {$60000.00} and monthly payment of {$550.00} through automatic withdrawal. 

In XX/XX/XXXX, I was advised by SOFI Bank through email that SOFI Bank would be servicing my student loan instead of XXXX in the New Year. 

On XX/XX/XXXX this student loan was transferred to SOFI Bank but was reported as a closed account on my credit report which reduced my credit score at the time by XXXX points. I believe it went from XXXX to XXXX. I was still actively paying this account ; the balance at the time was {$26000.00}. I reached out to SOFI Bank because XXXX ) I didn't understand why an account closure was reported when i was still making payments XXXX ) the account was transferred, not closed XXXX ) my credit report didn't reflect my open student loan account. SOFI Bank advised that the changes were too recent to reflect on my report so wait for the updated. 

XX/XX/XXXX - no update reflected. I reached out to SOFI Bank again to enquiry this update, I was advised to reach out to TransUnion. I reached out to TransUnion, they advised that SOFI Bank hadn't updated them on where the student loan account was transferred to. I told SOFI Bank this, I was advised all updates had been made. I waited some time for the updates to take effect, but my student loan was not shown on my credit report and credit score didn't change. I followed up with SOFI Bank and TransUnion, I was advised to file a dispute with TransUnion. 

XX/XX/XXXX - I filed a dispute with TransUnion stating XXXX ) my student loan account with XXXX showed as 'closed ' when it should've been 'transferred ' XXXX ) no student loan account was showing on my credit report though I was still making payments. I believe both have impacted my score as my age of credit is only being determined by a XXXX XXXX account opened last year instead of my student loan account that has been open since XXXX. 

XX/XX/XXXX - My credit score is now showing as XXXX. XXXX  investigation report has come back. Some updates were made which have attributed to my XXXX XXXX decreasing, including the student loan account with XXXX reflecting as 'transferred ' however, my student loan which is now being serviced by SOFI Bank XXXX still not showing on my report. The student loan with XXXX is shown as closed, yet I am still making payments on it every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2025-04-29 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-29 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've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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 consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( XXXX ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-29 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX USC XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( XXXX  ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
Equifax is reporting XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX XXXX as a charge-off for {$3000.00}. This derogatory account is being presented without substantiation and is harming my credit standing. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), Equifax is required to implement procedures to maintain and report only accurate, verifiable data. In this case, the failure to ensure the reliability of this charge-off is a direct violation of that statute. There is no evidence provided to me confirming the legitimacy of this debt, nor any validation that this amount is legally owed. The account was not accompanied by relevant billing history, consumer communications, or details showing my responsibility for this balance. I am also concerned that this entry may have been introduced into my report following a broader data breach incident, which would make it the result of a systemic failure rather than any consumer action. This careless reporting by Equifax is misleading, harmful, and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me XXXX You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXXXXXX allowed DIVERSIFIED ADJUSTMENTS ( a collections ) agency to list a collections dept on my credit repot for XXXX dollars that I do not believe is mine. When I filed a dispute with XXXX they allowed the false collections to remain on my account without obtaining " written '' proof that the debt belonged to me. This XXXX dollar collections dated XXXX which possibly cause a mortgage application to be denied. The Mortgage credit report was processed by XXXX XXXX XXXXXXXX XXXX and Experian both recognized the collection to be false when DIVERSIFIED ADJUSTMENTS tried to report it years ago and removed it from my report even though DIVERSIFIED ADJUSTMENTS attempted to add it to my report multiple times. 

I uploaded all three of my credit reports and you will notice that XXXX XXXX XXXX do not show the collection from DIVERSIFIED ADJUSTMENTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
Equifax Credit Reporting allowed XXXX XXXX ( a collections ) agency to list a collections dept on my credit repot for XXXX dollars that I do not believe is mine. When I filed a dispute with Equifax they allowed the false collections to remain on my account without obtaining " written '' proof that the debt belonged to me. This XXXX dollar collections dated XXXX which possibly cause a mortgage application to be denied. The Mortgage credit report was processed by Equifax Mortgage Solutions. XXXX XXXX XXXX  both recognized the collection to be false when XXXX XXXX  tried to report it years ago and removed it from my report even though DXXXX XXXX attempted to add it to my report multiple times. 

I uploaded all three of my credit reports and you will notice that XXXX XXXX XXXX do not show the collection from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MD

Complaint narrative:
I have been disputing an XXXX account for fraudulently reporting to Experian for the last 10 months. I have disputed with XXXX directly and each time I call to verify the account, they update the account with my real, and current information. I haven't given them my social security number but on my initial call with them, the representative confirmed that the last 4 digits on my social security number did NOT match what they had on file. Currently the account is being inaccurately reported as open and charged off, which is factually inconsistent. Looking at the account information given on Experian, the account should have been closed as of approximately XX/XX/XXXX, based on the agreed-upon term reported. Additionally, there has been no activity for over three years, with the last payment made in XX/XX/XXXX, which also raises concerns about outdated, misleading, or inaccurate reporting, even if the account was mine. I asked Experian and XXXX to mail me the results of the reinvestigation, and a copy of all supporting documentation used to verify the accuracy of the information in XXXX and they have yet to do so. Additionally, under Maryland state law, the statute of limitations for open accounts is three years. Experian is reporting the last payment on this account occurred on XX/XX/XXXX, which would make the debt past the applicable statute of limitations. If XXXX or any third party can not legally collect on this debt due to time-barred status, it should not be reported in a manner that misleads or creates the impression that legal action is still permissible.

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