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: 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: MN

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX 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 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXXXXXX 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 2025-06-24 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: KS

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Email : XXXX Subject : Failure to Provide Method of Verification and Continued Reporting of Inaccurate Information in Violation of the FCRA I, XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) by a consumer reporting agency and/or information furnisher ( s ). 

On XX/XX/XXXX, I submitted a dispute regarding inaccurate and incomplete information appearing in my credit report. In response, I received a statement from the credit bureau indicating the items had been " verified. '' However, under 15 U.S.C. 1681i ( a ) ( 7 ), I am legally entitled to receive the method of verification used during the investigation. To date, I have not received that information, and the disputed entries remain on my report. 

Disputed Accounts : XXXX Account Number : XXXX Opened : XX/XX/XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Unverified Credit Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violations Cited : XXXX U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or correct inaccurate or unverifiable data

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Email : XXXX Subject : Failure to Provide Method of Verification and Continued Reporting of Inaccurate Information in Violation of the FCRA I, XXXX XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) by a consumer reporting agency and/or information furnisher ( s ). 

On XX/XX/XXXX, I submitted a dispute regarding inaccurate and incomplete information appearing in my credit report. In response, I received a statement from the credit bureau indicating the items had been " verified. '' However, under 15 U.S.C. 1681i ( a ) ( 7 ), I am legally entitled to receive the method of verification used during the investigation. To date, I have not received that information, and the disputed entries remain on my report. 

Disputed Accounts : XXXX Account Number : XXXX Opened : XX/XX/XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX XXXX  XXXX Account Number : XXXX Opened : XX/XX/XXXX Unverified Credit Inquiries : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Violations Cited : XXXX U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete or correct inaccurate or unverifiable data

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Since this late payment does not fairly represent my payment history, I ask that it be immediately removed from my account. I've always paid on time, so this inaccurate entry is unjust. Kindly make the appropriate updates to my account.

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: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

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

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ 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 2025-06-24 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: MO

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX INQUIRIES : XXXX  Date : XX/XX/year>

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the continued monthly reporting of the account listed above, which has been previously charged off and marked as a profit and loss ( XXXX XXXX  XXXX ) on my credit report. Additionally, this account has been reported to the Internal Revenue Service ( IRS ) as income under a 1099-C, confirming that the debt was canceled and deemed uncollectible. 

Despite this, the furnisher, XXXX XXXX XXXX continues to update this account monthly as delinquent, which is inaccurate, misleading, and constitutes double reporting.

This violates my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy of the information in consumer reports.

As this account has already been written off and reported as a taxable loss to the IRS, any further monthly reporting of a balance due is inaccurate and unlawful.

I am formally requesting the following : 1.Immediate cessation of any future updates related to this account.

2.Deletion of this account from my credit report.

3.Written confirmation of your investigation and action taken.

Enclosed are copies of any relevant documentation supporting my dispute. I request that this matter be fully investigated, and the inaccurate reporting corrected or deleted within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( last XXXX ) XXXX Credit Report Date : XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the continued monthly reporting of the account listed above, which has been previously charged off and marked as a profit and loss ( XXXX XXXX  XXXX ) on my credit report. Additionally, this account has been reported to the Internal Revenue Service ( IRS ) as income under a 1099-C, confirming that the debt was canceled and deemed uncollectible. 

Despite this, the furnisher, XXXX XXXX XXXX continues to update this account monthly as delinquent, which is inaccurate, misleading, and constitutes double reporting.

This violates my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate.

15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to maintain maximum possible accuracy of the information in consumer reports.

As this account has already been written off and reported as a taxable loss to the IRS, any further monthly reporting of a balance due is inaccurate and unlawful.

I am formally requesting the following : 1.Immediate cessation of any future updates related to this account.

2.Deletion of this account from my credit report.

3.Written confirmation of your investigation and action taken.

Enclosed are copies of any relevant documentation supporting my dispute. I request that this matter be fully investigated, and the inaccurate reporting corrected or deleted within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN ( last XXXX ) XXXX Credit Report Date : XX/XX/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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, 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 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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

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 : DP OF EDUC # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$800.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXR 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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: SC

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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

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: Opportunity Financial, LLC
State: FL

Complaint narrative:
Contacted the companies to confirm the validity of the debt and received no response & no validation. The information being reported is inaccurate.

Company response to consumer: Closed with explanation