vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I am filing this complaint against both XXXX XXXX and Experian due to the inaccurate and unlawful reporting of a 30-day late payment on my credit report, which I have documented proof did not occur. This false information is damaging my credit score and reputation and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ).

I was not 30 days late on this account I have bank statements and XXXX XXXX statements proving my payment was made on time. 
Experian denied my dispute and reported the item as accurate, yet failed to provide any documentation or proof of the investigation or verification process, which violates : FCRA 611 ( a ) ( 7 ) I have the right to request the method of verification and details about how Experian verified the disputed item. They have refused to comply. 
FCRA 607 ( b ) Experian must ensure the information they report is verified with maximum possible accuracy. Reporting a 30-day late payment that never occurred is a direct violation.

When I filed a prior complaint with the CFPB, Experian closed the case citing that I was an unauthorized third party which is false, as I am the direct account holder and the person impacted by this inaccurate reporting.

On Experians own online portal, they closed the dispute again without correction and labeled the item as accurate, without any formal explanation or verification. 
XXXX XXXX has refused to engage meaningfully. They closed my direct dispute without conducting a proper investigation and never provided any communication no email, no letter, no phone call despite claiming they needed my authorization to proceed. I received no such request, and the burden of verification under the FCRA is on the furnisher, not me. 
The late payment is also reported inconsistently across credit bureaus, which further supports the inaccuracy and violates : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers like XXXX XXXX are prohibited from reporting information they know or reasonably should know is inaccurate. 
I am requesting : XXXX. Full deletion of the inaccurate late payment from all credit reporting agencies. 
XXXX. A full reinvestigation, including documentation of how the item was verified by both XXXX XXXX and Experian. 
3. Immediate correction of my credit reports as required under the Fair Credit Reporting Act.

This ongoing reporting is damaging my credit, hurting my financial progress, and violates multiple provisions of the FCRA. I request swift resolution, and I reserve the right to take further legal action if this issue is not resolved in accordance with the 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 2025-07-10 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES 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 2025-07-10 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: TX

Complaint narrative:
I'm writing to file a complaint about inaccurate and confusing information showing up on my EXPERIAN credit report. The XXXXXXXX XXXX XXXXXXXX account ( ending in XXXX ) was marked as corrected on XX/XX/year>, but somehow got reinserted on XX/XX/year>, without any notice or explanation to me. This account is showing up as open, with late payments ( 30, 60, and 90 days ), and a balloon payment due in XXXX. This is very concerning, especially since I was never told it would be reinserted. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ), I shouldve been notified in writing before any deleted item was put back on my report. That never happened. 

Also, two XXXX XXXX accounts ( ending in XXXX and XXXX ) that were already deleted are showing back up again as charge-offs, even though both were settled and written off ( {$3800.00} and {$4800.00} ). This seems unfair and inaccurate. The FCRA 623 ( a ) says data furnishers must only report correct and complete information, and I don't believe these accounts meet that standard. Ive worked hard to take care of my obligations, and having accounts reappear after deletion and reported in a misleading way is frustrating and harmful.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-10 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 XXXX XXXX XXXX, CA XXXX Subject : Dispute of Account Status Account Number ending XXXX  To Whom It May Concern, This correspondence serves as a formal notification of my intent to dispute the current portrayal of the above-referenced account within the reporting framework of the credit bureaus. Your current records erroneously depict the status of this account as charged off, with a purported balance of {$2200.00} as of XX/XX/year>. This representation is not only misleading but may also infringe upon the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

In accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, you are entrusted with the duty to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Consequently, I hereby request that you engage in an exhaustive investigation of the account and provide substantiating documentation verifying the charge-off status and outstanding balance.

Should you be unable to furnish adequate validation regarding this alleged debt, I urge you to take prompt action to amend any inaccuracies reflected in my credit file. Failure to rectify this matter may compel me to explore further avenues to uphold my rights under applicable statutory protections.

Thank you for your immediate attention to this inquiry, and I anticipate your expeditious response that adheres to the requirements outlined under the FCRA. 

Sincerely, 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 2025-07-10 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: IL

Complaint narrative:
XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Account Status Account Number ending XXXX  To Whom It May Concern, This correspondence serves as a formal notification of my intent to dispute the current portrayal of the above-referenced account within the reporting framework of the credit bureaus. Your current records erroneously depict the status of this account as charged off, with a purported balance of {$2200.00} as of XX/XX/year>. This representation is not only misleading but may also infringe upon the obligations set forth by the Fair Credit Reporting Act ( FCRA ).

In accordance with Section 623 ( a ) ( 1 ) ( A ) of the FCRA, you are entrusted with the duty to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Consequently, I hereby request that you engage in an exhaustive investigation of the account and provide substantiating documentation verifying the charge-off status and outstanding balance.

Should you be unable to furnish adequate validation regarding this alleged debt, I urge you to take prompt action to amend any inaccuracies reflected in my credit file. Failure to rectify this matter may compel me to explore further avenues to uphold my rights under applicable statutory protections.

Thank you for your immediate attention to this inquiry, and I anticipate your expeditious response that adheres to the requirements outlined under the FCRA. 

Sincerely, XXXX XXXX " `

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX that was opened fraudulently under my name. The original creditor, XXXX XXXX issued a letter on XX/XX/year>2025, stating that the account was the result of a fraudulent application and confirmed they had submitted deletion requests to Equifax, XXXX, XXXX, and XXXX. 

Despite this confirmation and deletion request, XXXX XXXX is still reporting this account on my credit report. This account is fraudulent, not mine, and is causing harm to my credit profile. 

I contacted XXXX XXXX and submitted the documentation from XXXX XXXX showing that the account should be removed. I have not received a resolution, and the item remains on my report. 

In addition, the account is tied to an inaccurate address. My correct address is : XXXX XXXX XXXX, XXXX, XXXX XXXX Reporting an inaccurate address or fraudulent debt violates the Fair Credit Reporting Act ( FCRA ) under : 607 ( b ) Furnishers must ensure the maximum possible accuracy of information 611 ( a ) Consumers have the right to dispute and correct inaccurate or fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 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:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing me.

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 2025-07-10 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: AL

Complaint narrative:
I am filing a dispute against the debt collection agency * * XXXX XXXX XXXX XXXX XXXX * * for reporting a collection account on my credit report that I do not recognize. 

* * Collection Agency : * * XXXX XXXX XXXX XXXX XXXX I have not received any prior validation notice for this alleged debt. I am unaware of any outstanding balance owed to this agency or the original creditor. No documentation has been provided despite my attempts to request verification. 

Under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am entitled to proper notification and verification before any such reporting can occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-10 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: MS

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-10 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. 

It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/year> ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled. 

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified. 
2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated with the following entry : 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 2025-07-10 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: NV

Complaint narrative:
Dear sir or madam, I am a victim of identity theft. The information listed below which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send the required notifications to all furnishers of this information. Fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Section 605B. Of the fair credit reporting act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishes of that information.

Company response to consumer: Closed with non-monetary relief