vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
I am submitting this complaint due to inaccurate and unjust charge-off reporting on my Equifax credit report for two accounts : one from XXXX XXXX XXXX account ending in XXXX ), dated XX/XX/XXXX, and another from XXXX ( account ending XXXX XXXX ), dated XX/XX/XXXX. Both accounts are reported with {$0.00} balances, yet Equifax continues to display them with charge-off status, which is both inaccurate and harmful. 

There is no active debt associated with these accounts. They have been resolved, yet the charge-off remark remains as a derogatory mark on my report. This misrepresentation affects not just my credit score but also my credibility with lenders, and it sends the wrong message about my financial behavior and responsibility. 

Despite my best efforts to maintain an accurate and healthy credit file, errors like this make the process unnecessarily burdensome and emotionally exhausting. I am not alleging identity theft or fraud, but I do suspect these issues may arise from internal data reporting errors or data breach mishandling that causes incorrect entries to linger. Whatever the cause, it is the responsibility of Equifax to report with maximum possible accuracy, as outlined in 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act.

Further, Equifax is required under 15 U.S.C. 1681i to investigate and remove or correct any item that can not be verified. If no money is owed, and the accounts are inactive or resolved, then the charge-off status must not remain on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : Inaccurate Personal Information and Potential Reporting Errors To Whom It May Concern : I am writing to file a formal complaint regarding inaccuracies on my credit reports with TransUnion, Experian, and Equifax, as provided in my recent IdentityIQ report dated XX/XX/year> ( Reference # XXXX ). 

Inaccuracies Identified XXXX. Name Variations Reported Incorrectly Experian lists an additional name XXXX XXXX as primary, which is inaccurate. 
TransUnion lists XXXX XXXX as an Also Known As, which is reversed and misreported. 
Equifax has XXXX XXXX XXXX listed as former, which is not accurate for my legal name history. 
2. Addresses with Formatting/Accuracy Issues Multiple addresses listed with inconsistent formatting or reversed line orders across bureaus, creating confusion in identification and increasing potential fraud risk. 
3. Employment Reporting Errors TransUnion lists XXXX XXXXXXXX XXXX while Experian lists XXXX XXXX and XXXX XXXX without address verification, which are either outdated or incomplete, misrepresenting my employment history. 

Applicable Consumer Protection Laws Under 15 U.S. Code 1681i ( Fair Credit Reporting Act ), credit reporting agencies are required to conduct a reasonable reinvestigation if the completeness or accuracy of any item of information is disputed. Furthermore, 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information.

Requested Resolution I demand : 1. Immediate investigation into the inaccurate personal identifiers listed above.

2. Deletion or correction of any unverifiable, incomplete, or inaccurate personal and employment data.

3. Written confirmation of the results of your investigation within 30 days, as required by the FCRA.

Failure to comply will result in further complaints to the FTC, State Attorney General, and pursuing all remedies under 15 U.S.C 1681n & 1681o for willful and negligent noncompliance, including statutory damages, actual damages, punitive damages, and attorney fees.

Supporting Documents Attached is my IdentityIQ credit report highlighting these inaccuracies. Please conduct a full investigation and delete unverifiable or inaccurate entries as demanded. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I'm disputing the XXXX XXXX  account ( original creditor : XXXX XXXX XXXX XXXX, account ending in XXXX ). This account is reporting conflicting and inaccurate information between Experian and Equifax. 

This violates * * FCRA 15 USC 1681e ( b ) * * and * * 1681i ( a ) ( 5 ) * *. Because the information is inaccurate and unverifiable, Im requesting this account be * * deleted * * from my credit report immediately. 

Please investigate and confirm deletion within 30 days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : Inaccurate Personal Information and Potential Reporting Errors To Whom It May Concern : I am writing to file a formal complaint regarding inaccuracies on my credit reports with TransUnion, Experian, and Equifax, as provided in my recent IdentityIQ report dated XX/XX/year> ( Reference # XXXX ). 

Inaccuracies Identified XXXX. Name Variations Reported Incorrectly Experian lists an additional name XXXX XXXX as primary, which is inaccurate. 
TransUnion lists XXXX XXXX as an Also Known As, which is reversed and misreported. 
Equifax has XXXX XXXX XXXX listed as former, which is not accurate for my legal name history. 
2. Addresses with Formatting/Accuracy Issues Multiple addresses listed with inconsistent formatting or reversed line orders across bureaus, creating confusion in identification and increasing potential fraud risk. 
3. Employment Reporting Errors TransUnion lists XXXX XXXXXXXX XXXX while Experian lists XXXX XXXX and XXXX XXXX without address verification, which are either outdated or incomplete, misrepresenting my employment history. 

Applicable Consumer Protection Laws Under 15 U.S. Code 1681i ( Fair Credit Reporting Act ), credit reporting agencies are required to conduct a reasonable reinvestigation if the completeness or accuracy of any item of information is disputed. Furthermore, 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information.

Requested Resolution I demand : 1. Immediate investigation into the inaccurate personal identifiers listed above.

2. Deletion or correction of any unverifiable, incomplete, or inaccurate personal and employment data.

3. Written confirmation of the results of your investigation within 30 days, as required by the FCRA.

Failure to comply will result in further complaints to the FTC, State Attorney General, and pursuing all remedies under 15 U.S.C 1681n & 1681o for willful and negligent noncompliance, including statutory damages, actual damages, punitive damages, and attorney fees.

Supporting Documents Attached is my IdentityIQ credit report highlighting these inaccuracies. Please conduct a full investigation and delete unverifiable or inaccurate entries as demanded. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint Subject : Inaccurate Personal Information and Potential Reporting Errors To Whom It May Concern : I am writing to file a formal complaint regarding inaccuracies on my credit reports with TransUnion, Experian, and Equifax, as provided in my recent IdentityIQ report dated XX/XX/year> ( Reference # XXXX ). 

Inaccuracies Identified XXXX. Name Variations Reported Incorrectly Experian lists an additional name XXXX XXXX as primary, which is inaccurate. 
TransUnion lists XXXX XXXX as an Also Known As, which is reversed and misreported. 
Equifax has XXXX XXXX XXXX listed as former, which is not accurate for my legal name history. 
2. Addresses with Formatting/Accuracy Issues Multiple addresses listed with inconsistent formatting or reversed line orders across bureaus, creating confusion in identification and increasing potential fraud risk. 
3. Employment Reporting Errors TransUnion lists XXXX XXXXXXXX XXXX while Experian lists XXXX XXXX and XXXX XXXX without address verification, which are either outdated or incomplete, misrepresenting my employment history. 

Applicable Consumer Protection Laws Under 15 U.S. Code 1681i ( Fair Credit Reporting Act ), credit reporting agencies are required to conduct a reasonable reinvestigation if the completeness or accuracy of any item of information is disputed. Furthermore, 15 U.S. Code 1681e ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information.

Requested Resolution I demand : 1. Immediate investigation into the inaccurate personal identifiers listed above.

2. Deletion or correction of any unverifiable, incomplete, or inaccurate personal and employment data.

3. Written confirmation of the results of your investigation within 30 days, as required by the FCRA.

Failure to comply will result in further complaints to the FTC, State Attorney General, and pursuing all remedies under 15 U.S.C 1681n & 1681o for willful and negligent noncompliance, including statutory damages, actual damages, punitive damages, and attorney fees.

Supporting Documents Attached is my IdentityIQ credit report highlighting these inaccuracies. Please conduct a full investigation and delete unverifiable or inaccurate entries as demanded. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: DC

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 2025-07-08 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
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 2025-07-09 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-09 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: MA

Complaint narrative:
I am writing to dispute two charge-off entries currently showing on my TransUnion credit report that are both inaccurate and misleading. These accounts are listed with a {$0.00} balance, yet still appear with derogatory " charge-off '' notations. These entries are seriously damaging to my credit profile and misrepresent the actual status of the accounts. 

The first account is from XXXX XXXX ( account number ending in XXXX ), dated XX/XX/XXXX. The second account is from CITIZNSBNKNA ( account number ending in XXXX ), dated XX/XX/XXXX. Both are reported as charge-offs, yet the balance for each is {$0.00}. This creates confusion and casts a negative shadow on my creditworthiness without any valid justification. 

I take my financial record seriously and have worked diligently to ensure that all obligations have been addressed, satisfied, or resolved. Continuing to carry charge-off notations on accounts that show no debt owed is not only harmful but also contradictory. There is no past-due balance, no collection activity, and no justification for retaining such derogatory labels on these accounts. 

I am extremely disappointed that TransUnion continues to report information that is inaccurate and unverifiable. This not only causes emotional stress but has also interfered with my ability to qualify for favorable financial terms. These types of errors undermine the credibility of the reporting process and unfairly penalize consumers who are trying to do the right thing. 

I am not asserting fraud or identity theft. However, I strongly suspect that these issues could stem from systemic reporting errors, database mismatches, or even broader data handling failures that may have originated from security breaches or outdated creditor files. Regardless of the cause, TransUnion is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), to ensure all reported information is accurate and updated. Furthermore, 15 U.S.C. 1681i mandates correction or deletion of disputed items that can not be verified through a reasonable investigation.

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 2025-07-09 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: SC

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 2025-07-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation