vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX  XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally dispute and request the deletion of all student loan accounts serviced by XXXX XXXX that were legally discharged in bankruptcy. 
These accounts were included in my [ XXXX XXXX XXXX ] bankruptcy filed in [ Court District ] and discharged on [ Discharge Date ]. Under FCRA 607 ( b ) and Bankruptcy Code 524 ( a ) ( 2 ), it is inaccurate and unlawful to report these discharged debts as active, past due, or in default.

Please update my credit file to reflect the accurate status by : Deleting all Edfinancial student loan accounts, or Clearly marking them as Included in Bankruptcy with a {$0.00} balance and no late payments post-filing.

Enclosed : Bankruptcy discharge papers Schedule listing XXXX XXXX accounts Proof of identity and address Current Experian credit report ( with accounts highlighted ) I request confirmation of deletion or correction within 30 days as required by FCRA 611 ( a ).

Sincerely,

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 2025-08-13 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:
This is not a misunderstanding. My credit report contains clear inaccuracies that fail to meet the highest standards of accuracy required. These errors are causing significant and ongoing harm to me, both financially and emotionally. The impact is severe, and the situation is deeply distressing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: CA

Complaint narrative:
This single late payment record is not an accurate reflection of my overall payment practices. Please investigate and remove it from my report.

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 2025-08-13 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$680.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XX/XX/year> my Citi savings account was closed I kept trying to log into my account and it would pop up with an error message that there were delays and to try again later. After days of this I finally called to see what was going on. 

They informed me they have decided to close my account. When I asked why they told me I needed to wait to get the letter in the mail to know why which they said Id receive in 7 business days. Mind you all my bills were being taken from this account had I not called my bills would had bounced because the account had been closed and I had no idea. I received no phone call and no email about this. I was than transferred to the fraud department where they said

my account had a hold on it pending investigation and this could take up to 90 days. I told them that all my money is in this account I have been a long standing customer with them with no prior issues. How am I supposed to live without any money. Holding someones money for 90 days is absolutely ridiculous. They said there is nothing they can do and I asked for a supervisor who called me 7 days later. He also was not able to give me any info or help me in any way. I finally received the letter in the mail the following weekend and all it said was they have decided to not continue doing business with me and didnt state why my account was closed or when Id be getting my money. 

It is now XX/XX/XXXX we are approaching a month after the account closure with no update on my money. 

I have over XXXX in that account with no update on where it is or when Id be getting it. I cant keep living like this they have all my money held up. 

Im also losing money everyday because this was in a high yield savings account and everyday they hold onto this money Im losing out.

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 2025-08-13 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Public Complaint Description : A closed credit card account was reported inaccurately by both the original creditor and a collection agency. The reports show inconsistent account opening dates, continued late payment reporting after the account was settled and closed, duplicate reporting of the same debt, and a misleading status of Collections/Charge-off instead of Paid Settled. These errors have harmed my credit standing and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The reported bankruptcy case listed has been dismissed on XX/XX/year>, meaning no discharge was granted and no debt relief occurred. Reporting a dismissed or closed bankruptcy without clear context is misleading, inaccurate, and fails to reflect the true legal outcome.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The reported bankruptcy case listed has been dismissed on XX/XX/year>, meaning no discharge was granted and no debt relief occurred. Reporting a dismissed or closed bankruptcy without clear context is misleading, inaccurate, and fails to reflect the true legal outcome.

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 2025-08-13 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: MN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), specifically regarding the accuracy and consistency of the information they are furnishing to the credit reporting agencies. 
The issues are as follows : XXXX XXXX is reporting inconsistent information about the same account to the three major credit bureaus.

On at least one credit bureau, the account is being reported as open, while it is reported as closed on others.

Payment history and account status details differ across bureaus, creating conflicting credit information.

These actions violate the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : A furnisher of information shall not furnish information relating to a consumer that it knows or has reasonable cause to believe is inaccurate.

15 U.S.C. 1681i ( a ) : The credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. 
The conflicting and inaccurate information furnished by XXXX XXXX has harmed my creditworthiness and caused confusion for potential creditors.

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 2025-08-13 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: PA

Complaint narrative:
I am writing to formally dispute inaccuracies on my TRANSUNION credit report concerning two accounts that are incorrectly reported with late payment entries. These inaccuracies are negatively impacting my credit score and do not accurately reflect my payment history or account status. 

The first account in question is listed as XXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX. This account is marked as " Closed/Credit Card '' and reported with 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I dispute these late payment entries, as they are either incorrect or not supported by the actual payment history of the account. 

The second account is XXXXXXXX XXXX XXXX XXXXXXXX, opened on XX/XX/XXXX and marked as " Revolving Account/Closed. '' This account is reported with a 30-day late payment in XX/XX/XXXX. I believe this to be an error as well and request that a thorough investigation be conducted to verify the accuracy of this entry. 

I respectfully request TRANSUNION to investigate these entries with the original creditors, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX and to provide documentation supporting the reported delinquencies. If such documentation can not be verified or substantiated, I request the removal of the inaccurate late payment records from my credit 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Back on XX/XX/XXXX i went to premier worldwide auto in XXXX PA and took interest in a XXXX XXXX mks that had about XXXX miles on it price of vehicle was XXXX. I came with a down payment of XXXX. Not sure how loan ended up being XXXX, 100 contract i signed did not say that. My monthly payments were 466 monthly i noticed as i was making my payments that the balance was not going down at all may XX/XX/XXXX dollars. XXXX XXXX are scamming hardworking Americans. they repossessed my car for being late on payments and never took what they sold the car for off the balance. ( My balance actually went up afterwards ) Now today where I'm looking into things i noticed on my payment history that my balance was going up when I was making my monthly payments and my credit report is saying that i owe XXXX dollars still on this car. That is not possible. They are preying on people and getting them into these unbelievable contracts repossessing the car and selling it for more leaving me with the bill which is not right. I called today to see what was going on and ask why .. they guy told me that I signed a contract that stated on top of the XXXX dollar car loan that i agreed to pay an extra XXXX and change totaling {$27000.00} for a XXXX car with XXXX miles i NEVER would have agreed to this and this was not in the contract I'm not sure if dealership hid that page from me but i did not agree to this I'm afraid I'm not the first that they have done this too and are continuing to do this to people. Thats not right because now this car is on my credit report reflecting negatively because XXXX XXXX and XXXX XXXX auto scammed me on a contract his a page from me or something so that they were able to get paid. Mind you I had to get New tires new headlights control arms and other suspension work done on this car before i could even drive it. ( with money out of my own Pocket ) After already putting XXXX down on this car. I need someone to investigate this because this is not right. They scammed me and are to this day doing the same to many other consumers. Can you imagine paying {$27000.00} for a XXXX lincoln mks with XXXX miles on it ( XXXX XXXX XXXX car at the time of purchase XXXX XXXX XXXX car now ) I'm a lot wiser now and have come to my senses like wow they really pulled the wool over my eyes on this one. Please help me I'm a single mother with one daughter that's just trying to make a way for us but its companies like XXXX XXXX And XXXXXXXX XXXX XXXX that are getting over on everyday hardworking people.

Company response to consumer: Closed with explanation