vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

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 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
SYNCB/CARECR improperly reinserted a deleted account onto my credit report. I received notice from XXXX XXXX that a new account had been added to my XXXX  file with an open date of XX/XX/year>. This account had previously been disputed and removed. It was reinserted without proper certification or written notice, which violates the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert deleted information unless the furnisher certifies it as accurate, and the bureau must notify the consumer within five business days. No such notice was provided. Additionally, inaccurate addresses ( e.g., 1499 MW instead of 1499 NW ) appear on my report, which violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), requiring maximum accuracy.

I am requesting that the CFPB investigate and require TransUnion ( and any bureau reporting this item ) to permanently delete the reinserted account, correct the inaccurate addresses, and ensure compliance with FCRA reinsertion requirementsgoingforward.

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 2025-09-12 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: TX

Complaint narrative:
This complaint is submitted to the CFPB to address multiple violations of my rights under the FCRA, including inaccurate reporting of charge-off accounts and an incorrect address. Sections 602, 607, 609, 611, 623, 1681i, 1681e ( b ), and 1681s-2 require reporting agencies and creditors to ensure that all information is fully verified and accurate. The presence of these false items has caused financial loss, emotional distress, and disruption of my creditworthiness. I demand immediate investigation, verification, and corrective action by the CFPB. 

ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This address is not mine, and its reporting is a direct violation of FCRA Section 607 ( B ), which requires maximum possible accuracy. I have never lived, worked, or received mail at this location. Leaving this address on my file creates the risk of a mixed file, where another persons accounts or negative items could be mistakenly attributed to me. This type of error can cause lenders to deny me credit or increase my interest rates because they are basing decisions on inaccurate data. I request that this address be deleted permanently from my file under Section 611 ( a ) ( 5 ) as unverifiable. The continued publication of this data is harmful and creates a misleading credit history that does not reflect my true profile. Any reporting agency that maintains an incorrect address after notice of dispute may be held liable under federal law. Please provide me with the full method of verification used to report this address.

I ask the CFPB to oversee the full reinvestigation and correction of all disputed items on my credit report, including the wrong address and all fraudulent or misreported accounts. The harm caused by these inaccuracies is significant, affecting my credit, finances, and personal well-being. I request written verification that all corrections have been implemented and enforcement of accountability where necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: TX

Complaint narrative:
I previously submitted a dispute to 3 credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), requesting a reinvestigation of several inaccurate entries on my credit report, which include the following 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 Despite providing supporting documentation that clearly shows these entries are inaccurate, TransUnion has failed to conduct a reasonable and timely reinvestigation. As a result, the erroneous information continues to appear on my credit report, which is negatively affecting my creditworthiness. This failure to reinvestigate and correct the information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information, FCRA 1681e ( b ), which mandates that credit bureaus ensure maximum possible accuracy, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. The inaccuracies persist despite my efforts to correct them, demonstrating non-compliance with FCRA obligations, and continue to harm my credit profile.

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 2025-09-12 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 previously submitted a dispute to 3 credit bureaus under FCRA 611 ( 15 U.S.C. 1681i ), requesting a reinvestigation of several inaccurate entries on my credit report, which include the following 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 Despite providing supporting documentation that clearly shows these entries are inaccurate, TransUnion has failed to conduct a reasonable and timely reinvestigation. As a result, the erroneous information continues to appear on my credit report, which is negatively affecting my creditworthiness. This failure to reinvestigate and correct the information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ), which requires a reasonable reinvestigation of disputed information, FCRA 1681e ( b ), which mandates that credit bureaus ensure maximum possible accuracy, and FCRA 1681i ( a ) ( 5 ), which requires the removal of unverifiable information. The inaccuracies persist despite my efforts to correct them, demonstrating non-compliance with FCRA obligations, and continue to harm my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following acounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

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 non-monetary relief
Consumer complaint received 2025-09-12 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX Services for inaccurate and unlawful credit reporting. 

I opened my XXXX XXXX XXXX account in XX/XX/XXXX and maintained it responsibly. In early XXXX, I discovered a billing error and immediately filed a dispute with XXXX, as I am entitled to do under federal law. While my billing dispute was under investigation, XXXX wrongfully reported my account as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

This reporting is false and unlawful. Under 15 U.S.C. 1666a ( Creditors Restrictions During Dispute ), a creditor can not report an account as delinquent while a billing dispute is unresolved. Under 15 U.S.C. 1666 ( Correction of Billing Errors ), the creditor is required to investigate and resolve the billing error before reporting delinquency. XXXX violated both of these protections. 

Because of XXXX actions, Experian, Equifax, and TransUnion are now showing derogatory entries on my credit file that misrepresent my payment history. The records now reflect a worst delinquency of 60 days late, even though these late marks were reported during the billing dispute period and should not exist. 

These actions also trigger my rights under FCRA XXXX ( 15 U.S.C. 1681i ), which requires the credit bureaus to correct or delete any inaccurate or unlawful reporting. The delinquency entries in question are both inaccurate and unlawful under federal law, and they continue to cause harm to my credit profile. 

As part of my submission, I have attached payment confirmation records as supporting documentation. These records further prove that the account should not have been reported as 60 days late while under billing dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX Services for inaccurate and unlawful credit reporting. 

I opened my XXXX XXXX XXXX account in XX/XX/XXXX and maintained it responsibly. In early XXXX, I discovered a billing error and immediately filed a dispute with XXXX, as I am entitled to do under federal law. While my billing dispute was under investigation, XXXX wrongfully reported my account as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

This reporting is false and unlawful. Under 15 U.S.C. 1666a ( Creditors Restrictions During Dispute ), a creditor can not report an account as delinquent while a billing dispute is unresolved. Under 15 U.S.C. 1666 ( Correction of Billing Errors ), the creditor is required to investigate and resolve the billing error before reporting delinquency. XXXX violated both of these protections. 

Because of XXXX actions, Experian, Equifax, and TransUnion are now showing derogatory entries on my credit file that misrepresent my payment history. The records now reflect a worst delinquency of 60 days late, even though these late marks were reported during the billing dispute period and should not exist. 

These actions also trigger my rights under FCRA XXXX ( 15 U.S.C. 1681i ), which requires the credit bureaus to correct or delete any inaccurate or unlawful reporting. The delinquency entries in question are both inaccurate and unlawful under federal law, and they continue to cause harm to my credit profile. 

As part of my submission, I have attached payment confirmation records as supporting documentation. These records further prove that the account should not have been reported as 60 days late while under billing dispute.

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 2025-09-12 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: NY

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-12 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 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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-12 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: AZ

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I am sending to formally inform you that I have not authorized any third party to access, review, or act on my behalf regarding my credit report or any associated information. 

Please ensure that no third party is granted any access to my credit file unless I provide explicit, written consent for such actions.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
This auto loan was opened in XXXX and closed/paid on XX/XX/XXXX. The balance is {$0.00}, but the tradeline still reflects multiple derogatory lates ( three 30-day lates and two 60-day lates ). This is inaccurate and misrepresents my payment history since the account is resolved. I request that the company and the credit reporting agencies remove the late-payment history and update the tradeline to Paid/Closed Never Late, or delete it entirely. Account stats still showing not disputed but has been disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation