vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for its continued and unlawful reporting of a child support tradeline that was paid in full and officially requested for deletion by a government agency. On XX/XX/year>, I received a second confirmation call from the Florida Department of Revenue ( FDOR ) stating that a deletion request for the child support tradeline was submitted via their internal system to both XXXX  and TransUnion. This deletion was authorized due to the tradeline being paid in full as agreed and no longer meeting the criteria for continued reporting. 

XXXX  fully complied with this request and removed the tradeline on XX/XX/year>, pursuant to the same communication from the Florida DOR. However, XXXX  and TransUnion have allowed 47 days to pass and have not complied with the government 's request, nor have they provided any legal justification for doing so. Their inaction continues to cause reputational harm, emotional distress, and damages to my creditworthiness despite the tradeline being resolved. 

This constitutes willful and negligent noncompliance under multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to update or delete inaccurate information after notification from the furnisher 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681n Willful noncompliance, entitling me to statutory and punitive damages The tradeline, although showing a {$0.00} balance, remains marked with derogatory remarks and continues to damage my personal and professional credibility. This is especially egregious given that the deletion was mandated by a state agency and already honored by one of the national credit bureaus.

If this matter is not resolved promptly, I will be sending formal legal notice of my intent to sue under the FCRA and will pursue all remedies available in federal court.

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 2025-08-04 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-04 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-04 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-04 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-04 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX'A fraudulent account was opened by an individual residing in XXXX XXXX XXXX  under my name with an address of 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  Upon a recent review of my credit report, I found a collection filing by XXXX XXXX XXXX for this fraudulent account and contacted the compliance dept. at XXXX & spoke with XXXX XXXX who forwarded a Fraud Affidavit Package to me, which was subsequently completed & returned by me, including my XXXX identifications at time of fraud account opening & present.  I also requested what proof I could provide to prove to them my XXXX residency, which said request was ignored. I then was sent the past invoices to the XXXX XXXX  address and initial digital application by this individual & was further advised this is a valid debt.  BOTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE IGNORED THE FACT THAT I NEVER NOT ONLY RESIDED IN XXXX XXXX XXXX BUT HAVE BEEN A NYS RESIDENT MY ENTIRE LIFE.  I have continually requested what proof I can provide of my XXXX  identification (Lease Statements, bank statements, paystubs, etc.) to prove my identity.  I have that right.   I need assistance as these companies will not allow me this right.   This same individual in XXXX XXXX XXXX  also opened XXXX prior fraudulent credit lines in my name, which fraud has since been resolved as I was able to prove my identity & XXXX residency.'

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 2025-08-04 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: Central Portfolio Control Inc.
State: NY

Complaint narrative:
XXXXA fraudulent account was opened by an individual residing in XXXX XXXX XXXX under my name with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX under Acct No, XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX.  Upon a recent review of my credit report, I found a collection filing by Central Portfolio Control for this fraudulent account and contacted the compliance dept. at XXXX & spoke with XXXX XXXX, who forwarded a Fraud Affidavit Package to me, which was subsequently completed & returned by me, including my XXXX  identifications at time of fraud account opening & present.  I also requested what proof I could provide to prove to them my XXXX  residency, which said request was ignored. I then was sent the past invoices to the XXXX XXXX address and initial digital application by this individual & was further advised this is a valid debt.  BOTH XXXX XXXX XXXX XXXX CENTRAL PORTFOLIO CONTROL HAVE IGNORED THE FACT THAT I NEVER NOT ONLY RESIDED IN XXXX XXXX, XXXX  BUT HAVE BEEN A XXXX  RESIDENT MY ENTIRE LIFE.  I have continually requested what proof I can provide of my XXXX  identification (Lease Statements, bank statements, paystubs, etc.) to prove my identity.  I have that right.   I need assistance as these companies will not allow me this right.   This same individual in XXXX XXXX XXXX also opened 2 prior fraudulent credit lines in my name, which fraud has since been resolved as I was able to prove my identity & XXXX  residency.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MN

Complaint narrative:
I am writing in reference to the account listed under my name that you claim has been charged off and is still being pursued for collection. I respectfully request verification of this debt and clarification on the following legal points under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and relevant tax laws.

If this account was charged off by the original creditor, it was likely declared as a loss for tax purposes under IRS regulation 26 U.S. Code 166 ( Bad Debts Deduction ). This indicates the creditor may have received a tax benefit by writing off the debt as uncollectible. If so, I request documentation proving : XXXX. The amount that was written off ; XXXX. Whether the original creditor or subsequent owner took a tax deduction ; XXXX. Whether the debt was forgiven, sold, or transferred. 

A charge-off is an internal accounting movenot a legal judgment. You are still required to validate the debt under the FDCPA, and I assert my right to receive full verification before any further collection attempts continue. 

Additionally, if the debt was sold, I request the legal contract showing your ownership and the amount paid. If the debt was forgiven or included in a XXXX tax cancellation notice, I request documentation of that as well, which may indicate the debt is no longer legally collectible. 

Please cease all collection activities until full validation has been provided. Continued attempts to collect without verification are a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MN

Complaint narrative:
I am writing in reference to the account listed under my name that you claim has been charged off and is still being pursued for collection. I respectfully request verification of this debt and clarification on the following legal points under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and relevant tax laws.

If this account was charged off by the original creditor, it was likely declared as a loss for tax purposes under IRS regulation 26 U.S. Code 166 ( Bad Debts Deduction ). This indicates the creditor may have received a tax benefit by writing off the debt as uncollectible. If so, I request documentation proving : XXXX. The amount that was written off ; XXXX. Whether the original creditor or subsequent owner took a tax deduction ; XXXX. Whether the debt was forgiven, sold, or transferred. 

A charge-off is an internal accounting movenot a legal judgment. You are still required to validate the debt under the FDCPA, and I assert my right to receive full verification before any further collection attempts continue. 

Additionally, if the debt was sold, I request the legal contract showing your ownership and the amount paid. If the debt was forgiven or included in a XXXX tax cancellation notice, I request documentation of that as well, which may indicate the debt is no longer legally collectible. 

Please cease all collection activities until full validation has been provided. Continued attempts to collect without verification are a violation of 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 2025-08-04 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: MN

Complaint narrative:
I am writing in reference to the account listed under my name that you claim has been charged off and is still being pursued for collection. I respectfully request verification of this debt and clarification on the following legal points under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and relevant tax laws.

If this account was charged off by the original creditor, it was likely declared as a loss for tax purposes under IRS regulation 26 U.S. Code 166 ( Bad Debts Deduction ). This indicates the creditor may have received a tax benefit by writing off the debt as uncollectible. If so, I request documentation proving : 1. The amount that was written off ; 2. Whether the original creditor or subsequent owner took a tax deduction ; 3. Whether the debt was forgiven, sold, or transferred. 

A charge-off is an internal accounting movenot a legal judgment. You are still required to validate the debt under the FDCPA, and I assert my right to receive full verification before any further collection attempts continue. 

Additionally, if the debt was sold, I request the legal contract showing your ownership and the amount paid. If the debt was forgiven or included in a XXXX tax cancellation notice, I request documentation of that as well, which may indicate the debt is no longer legally collectible. 

Please cease all collection activities until full validation has been provided. Continued attempts to collect without verification are a violation of 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 2025-08-04 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Paypal did not process returns correctly to the promotional balances

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 monetary relief
Consumer complaint received 2025-08-04 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:
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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-04 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: GA

Complaint narrative:
Due to FCRA U.S.C I have fraudulent inquires reported on my credit report and I have already notified TransUnion fraud department

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