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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting this formal follow-up complaint regarding inaccurate and potentially unauthorized inquiries listed on my credit report, which I believe may be in violation of the Fair Credit Reporting Act ( FCRA ). Despite prior dispute efforts, the inquiries in question remain uncorrected or improperly reported.

I am specifically disputing multiple inquiries that appear to be inaccurately listed or contain incorrect information. These entries may lack proper authorization or do not reflect accurate data, and I am requesting a thorough review and correction. 
Below are the details of the inquiries in question : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I recently noticed fraudulent accounts on my credit report. This is stopping me from obtaining credit and I would like for these accounts to be removed. 

Also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting as a charge off. A charge off is a one time event, not something that should be reporting for an extended report of time.

This goes against the Metro 2 guidelines and the Fair Credit Reporting Act. It also doesn't follow what CFPB says about fair and accurate 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 2025-08-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a follow up complaint to dispute concerning inaccurate, incomplete, and unauthorized items appearing on my credit report. Despite my efforts to resolve this matter through the proper dispute channels, the items in question remain unresolved. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing a complaint against Transunion for misrepresenting the dates of my dispute submissions, in potential violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed certified dispute letters to TransUnion, which included a formal written dispute of inaccurate personal information and fraudulent accounts. However, TransUnion falsely claims I submitted my dispute on XX/XX/year>. These dates do not reflect the actual date the disputes were received via certified mail and may constitute an intentional delay in logging my dispute, thus extending the XXXX investigation timeline allowed under FCRA 611 ( a ) ( 1 ) ( A ). This could result in continued unlawful reporting of disputed and potentially fraudulent accounts. I am requesting that the CFPB : Investigate whether my disputes were properly received and logged in a timely manner, Review internal handling procedures by TransUnion for certified mail dispute processing, and Determine if any delay or falsification in logging dates constitutes a willful or negligent violation of the FCRA. I also request copies of any documentation TransUnion has regarding the date of receipt, date of investigation initiation, and the method of dispute verification for each disputed item. Thank you for your attention to this matter.

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 2025-08-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am submitting this formal follow-up complaint to dispute specific entries on my credit report that inaccurately reflect late payment statuses. Upon reviewing my credit report and comparing it with my personal records and payment history, I have identified discrepancies that I believe are incorrect or misreported. 
The account in question are listed as having late payments, but based on my documentation, these entries do not accurately reflect my payment behavior. I am requesting a thorough reinvestigation of these accounts to ensure that the reporting is accurate and complies with the Fair Credit Reporting Act ( FCRA ), particularly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}

Company response to consumer: Closed with non-monetary relief
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: IN

Complaint narrative:
I am submitting this formal follow-up complaint to dispute specific entries on my credit report that inaccurately reflect late payment statuses. Upon reviewing my credit report and comparing it with my personal records and payment history, I have identified discrepancies that I believe are incorrect or misreported. 
The account in question are listed as having late payments, but based on my documentation, these entries do not accurately reflect my payment behavior. I am requesting a thorough reinvestigation of these accounts to ensure that the reporting is accurate and complies with the Fair Credit Reporting Act ( FCRA ), particularly : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4600.00}

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am formally disputing the following accounts and related late payment history that appear on my credit report. These accounts were not opened or authorized by me and have no permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Opened : XX/XX/XXXX Type : Joint Auto Loan Balance : {$33000.00} Status : 43 months of late payments Issue : I never signed a contract, authorized this joint account, or gave consent for this tradeline. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Type : Credit Card Balance : {$490.00} Status : Charged off Issue : I never opened this account or agreed to any terms. 
My personal data was compromised in the Equifax XXXX data breach, increasing my risk of identity theft. I believe these accounts may have resulted from that exposure. 
I assert my rights under the following federal laws : FCRA 15 U.S.C. 1681b No permissible purpose for reporting FCRA 605B / 15 U.S.C. 1681c-2 Requires blocking of identity theft accounts within 4 business days Truth in Lending Act ( TILA ) No valid contract or agreement was ever signed I am demanding the immediate deletion of : The accounts listed above Any late payment history associated with them All inquiries related to these accounts Please confirm in writing that the disputed items have been permanently removed. Failure to comply may result in legal escalation and additional federal complaints.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the following accounts and related late payment history that appear on my credit report. These accounts were not opened or authorized by me and have no permissible purpose under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX Opened : XX/XX/XXXX Type : Joint Auto Loan Balance : {$33000.00} Status : 43 months of late payments Issue : I never signed a contract, authorized this joint account, or gave consent for this tradeline. 
XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Type : Credit Card Balance : {$490.00} Status : Charged off Issue : I never opened this account or agreed to any terms. 
My personal data was compromised in the Equifax XXXX data breach, increasing my risk of identity theft. I believe these accounts may have resulted from that exposure. 
I assert my rights under the following federal laws : FCRA 15 U.S.C. 1681b No permissible purpose for reporting FCRA 605B / 15 U.S.C. 1681c-2 Requires blocking of identity theft accounts within 4 business days Truth in Lending Act ( TILA ) No valid contract or agreement was ever signed I am demanding the immediate deletion of : The accounts listed above Any late payment history associated with them All inquiries related to these accounts Please confirm in writing that the disputed items have been permanently removed. Failure to comply may result in legal escalation and additional federal complaints.

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: NY

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file.

I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : 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 LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. 
Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have XXXX hard inquiries from COAF that I do not recognize that I would like removed from my credit report

Company response to consumer: Closed with non-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 — Account status incorrect
Company: MOHELA
State: SC

Complaint narrative:
Im writing to dispute a 90-day late payment reported by MOHELA in XX/XX/XXXXXXXX 

This account has completely blindsided me. I had every reason to believe my student loan repayment wouldnt begin until XX/XX/XXXX thats the date that was clearly shown in my MOHELA online account under my estimated payment schedule. I even took screenshots because I was relying on that information to plan my finances while I worked on buying my first home. 

Despite what was shown, MOHELA began sending billing statements earlier in XXXX and eventually reported me as late. I didnt receive any emails, calls, or alerts that a payment was actually due. The only notices were buried in the portal, and by the time I realized what was happening, the damage was done. 

My credit score dropped by over XXXX points. That one reporting mistake has put my entire home purchase in jeopardy Im under contract and working toward closing, but now Im at risk of losing the deal. Ive done everything I was supposed to : Ive paid off my cards, saved money, followed all the steps and now this. 

Ive tried contacting MOHELA and Ive submitted a dispute with the credit bureaus, but so far nothing has changed. Im asking for your help. If MOHELA cant provide proof that I was properly notified or explain why the XXXX start date was listed, I respectfully ask that this late mark be removed. 

This situation is affecting more than just my credit score its affecting my future and my ability to provide a stable home. Please help me make this right.

Company response to consumer: Untimely response
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: FL

Complaint narrative:
To Whom It May Concern, I am a victim of identity theft FTC report number ( XXXX ) The information listed below, which appears on my credit report, is the result of Identity theft DATE OPENED XXXX account numberXXXX this item should be removed and blocked from my credit report as per XXXX05B15 U.S.C.

1681c-2 states if a breach is present accounts will be removed in 4 days it tied to identity theft. In support of my claim, I have filed a report with the Federal Trade Commission ( FTC ) regarding the identity theft and fraudulent activities. I have attached a copy of my FTC Identity Theft these item should be blocked and removed

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 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX

Complaint narrative:
Alexander Rose Associates has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
They are reporting an eviction tradeline stemming from a residential lease, which was not a credit transaction. Despite multiple disputes, they have failed to properly validate the debt or remove the tradeline. They also altered the final account balance multiple times using whiteout and inconsistent documentation, and they are now reporting the same eviction account twice on my credit report a form of duplicate reporting. 

FCRA Violations include : Failure to conduct a reasonable investigation ( 15 USC 1681i ) Reporting inaccurate information ( 15 USC 1681e ( b ) ) Reporting during an active dispute ( 15 USC 1681s-2 ) Misrepresenting a lease obligation as a credit tradeline FDCPA Violations include : Failing to validate debt ( 15 USC 1692g ) Using deceptive and misleading representations ( 15 USC 1692e ) Altering documents and inflating balance amounts I have requested verification and a full itemization of the alleged debt multiple times, including via certified mail. I received inconsistent documents showing multiple different balances none of which match the original court judgement. They also sent some notices to an outdated address, which violates proper notification standards. 

I am requesting that the CFPB investigate this account, and that Alexander Rose be compelled to either properly validate the debt with full documentation or permanently remove the inaccurate, duplicate tradeline from all consumer reporting agencies.

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

Company response to consumer: Closed with non-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: EQUIFAX, INC.
State: CA

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.

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: LA

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.

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: LA

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.

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 2025-08-04 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: NC

Complaint narrative:
I submitted a formal dispute to the credit bureau, including all documentation required under federal lawnamely, a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Brequesting the timely removal of fraudulent information from my credit report. Despite full compliance with these statutory obligations, the bureau failed to block the disputed information within the four-business-day timeframe mandated by law. I respectfully urge the CFPB to investigate this clear violation of the Fair Credit Reporting Act and to take appropriate enforcement action to ensure the permanent removal of the fraudulent data. For your review, I have enclosed copies of my dispute letter and all supporting documentation.

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