vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute Demand for Removal of Dismissed XXXX  XXXX Bankruptcy Filings To Whom It May Concern, This is a formal dispute of the multiple XXXX  XXXX bankruptcy entries currently appearing on my TransUnion credit report. These entries are : Dismissed Duplicated under multiple reference numbers Incomplete and inconsistent Unverifiable through direct court reporting I am disputing the following entries as inaccurate, misleading, and duplicative : Disputed Bankruptcy Entries : Ref # XXXX / XXXX / XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX Ref # XXXX / XXXX / XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX XXXX # XXXX / XXXX / XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX Ref # XXXX Filed XX/XX/XXXX, Dismissed XX/XX/XXXX Legal Basis for Removal : These entries are reported multiple times, under conflicting formats, in violation of FCRA 1681e ( b ) requiring maximum possible accuracy.

The U.S. Bankruptcy Court does not report directly to TransUnion, and third-party data collection is not a valid substitute for verified court documentation, making these entries unverifiable under 1681i ( a ).

These bankruptcies were dismissed not discharged and carry no legal weight, yet they appear in a way that misleads potential lenders and misrepresents my financial obligations. 
The duplicate nature of these records causes artificial damage to my credit profile, which is a form of reputational harm and defamation. 
DEMAND FOR ACTION : I am demanding the full deletion of these records from my credit report. 

You have 15 calendar days from the date of receipt of this letter to complete your reinvestigation and : Permanently delete all listed XXXX  XXXX dismissed bankruptcies, and Provide written confirmation of these deletions If you fail to respond or refuse to correct these violations within the timeframe : I will file a formal complaint with the CFPB I will contact the FTC and the Illinois Attorney Generals Office I will pursue civil legal action under FCRA 1681n and 1681o for willful and negligent noncompliance This letter serves as your official legal notice. Any continued inaccurate reporting beyond the 15-day period will be seen as willful defamation and FCRA violations . 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/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 non-monetary relief
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

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 2025-06-24 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: FL

Complaint narrative:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-06-24 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-24 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:
Things have been removed off of my credit report and Experian keep reporting things and running my credit without permission and my score dropped. it's horrible I've done disputes and reached out to them and denied them even the hard injuries.

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 2025-06-24 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: FL

Complaint narrative:
I was stunned to find the XXXXXXXX XXXX XXXX XXXX account ( Account XXXX. XXXX ), which had already been deleted, suddenly reappear on my Experian credit report. It was not showing in my credit report last month, and I was never notified of its reinsertion. This account has reappeared without any notice, consent, or certificationviolating 15 USC 1681i ( a ) ( 5 ), which requires written notice within five business days and proper certification before any deleted data is reinserted. That never happened. Reporting this account again without my authorization violates 15 USC 1681b ( 2 ), and failing to ensure its accuracy breaches 15 USC 1681e ( b ). I am a protected consumer under 15 USC 1681a ( 4 ) and have the right to control what appears in my credit file. I already disputed this account, and it should not have returned. If this isnt resolved and permanently deleted, I will pursue damages under 15 USC 1681n and 1681o for willful and negligent noncompliance.

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 2025-06-24 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am filing this complaint against Capital One Auto Finance for unlawful re-aging and inaccurate reporting of a charged-off auto loan account in violation of the Fair Credit Reporting Act ( FCRA ). 

The account was charged off in XXXX, and my last payment was made on or before XX/XX/XXXX. However, Capital One continues to report monthly charge-off statuses through XXXX to all three credit bureaus, even though there has been no new activity, no payments, and the account was closed. 

This constitutes unlawful re-aging under FCRA 605 ( c ), which prohibits creditors from resetting the date of first delinquency to extend negative reporting. It also violates FCRA 607 ( b ), which requires creditors to furnish complete and accurate information. Furthermore, under 623 ( a ) ( 5 ), Capital One is obligated to report the original delinquency date accurately which they have failed to do.

As a result of this misreporting, my credit score has been significantly damaged for years beyond what is legally permitted. I was denied a vehicle refinance loan in XXXX due to this erroneous reporting, causing me to incur thousands of dollars in additional interest charges. I have also suffered emotional distress and reputational damage due to being misrepresented continuously delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint against Capital One regarding a late payment that was incorrectly reported to the credit bureaus. 

On XX/XX/year>, I made an on-time payment, but Capital One reported it as late. I have documentation, including my payment confirmation and bank records, showing the payment was processed on time. 

I contacted Capital One customer service on multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and each time I was told the issue would be corrected, but it remains unresolved. This incorrect reporting has dropped my credit score by over XXXX points and affected my ability to secure a loan. 

I request that the CFPB investigate this matter and that Capital One promptly correct the error and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
I am filing this complaint against XXXX XXXX and Credit Reporting Agencies regarding an account that was charged off in XX/XX/XXXX. Since that time, no payment or activity have occurred, yet the Credit Reporting Agencies continues to report the balance as updated monthly- with the most recent update on XX/XX/XXXX - as the account is actively delinquent. 

This creates the false appearance of ongoing default and misleads lenders and scoring models. 

I have sent multiple disputes, factual statements, and a request for the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ) - none of which have resulted in correction.

This reporting practice violates : FCRA 607 ( b ) - Maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) - Furnishing complete and truthful data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Updating charged-off accounts without activity is misleading XXXX XXXX XXXX XXXX XXXX XXXX  - Re-aging charged-off debt misrepresents its legal status

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 2025-06-24 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.

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-24 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: WI

Complaint narrative:
I am submitting this complaint to Equifax about inaccurate information on my credit report that has not been validated, confirmed, or physically verified. 

I have found entries that appear erroneous and remain unverified. Under my federal and state consumer rights, I have the right to demand their immediate removal. This notice also ensures your reporting follows the requirements of FACTA Title I, Section 151, which outlines proper verification procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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 2025-06-24 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: VA

Complaint narrative:
Im XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Spring Oaks Capital LL XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : CEASE AND DESIST DEMAND REGARDING CREDIT ACCOUNT NO. XXXX To Whom It May Concern : This letter serves as a formal demand that you cease and desist all collection activities and any reporting of inaccurate information regarding the alleged debt referenced above. 

I am writing to inform you that I dispute the validity of this debt, as well as your right to report it to credit reporting agencies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby notified to stop all communication with me regarding this matter, except as permitted by law ( e.g., to inform me of legal action you intend to take ). 

Additionally, if you have reported this account to any credit bureau ( XXXX XXXX XXXX XXXX ), you are instructed to immediately remove any inaccurate, unverifiable, or outdated information. Failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General 's office. 

Please provide written confirmation within 15 days of receiving this letter that you have ceased all collection and credit reporting activity related to this matter. Should you continue to ignore this notice, I reserve the right to take further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
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 explanation
Consumer complaint received 2025-06-24 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: AMERICAN HONDA FINANCE CORP
State: IN

Complaint narrative:
My vehicle was repossessed last Thursday on XX/XX/XXXX, which was a holiday might I add. However, when I reached out to the repo company they reported the information was sent to Honda Financial the very next day on Friday XX/XX/XXXX. There was no one available to speak with over the weekend. On Monday I had to wait until after XXXX to speak to anyone. I was told they hadnt received the paper work and they just opened, and to call back in a few hours for the information ( balance owed ). Very different information than the repo agency provided. I called back after XXXX hours, paperwork still not processed. I requested a call back from a supervisor. No one has called me back, no one can provide me any details on the amount owed. At this point, im not even sure what date the information will be processed. The department has made things very difficult and even having the XXXX rep get loud and upset because I questioned the delay. XXXX is the rep that I spoke to. Deliberately delaying the processing of paperwork is what seems like the case. And again I requested for a supervisor to call me, since XXXX would not provide a number for me to reach the leadership. I pray to never have to deal with the financial company again in my life. Although this is an unfortunate situation, I still deserve respectful, honest communication.

Company response to consumer: Closed with explanation