vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

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 2025-10-09 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: NC

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 rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
After realizing that over XXXX dollars was missing out of my checking account, I called and spoke with a man who was extremely dismissive. He was trying to tell me that wow youve got all these pending transactions. I told him I know how much Ive spent. He is saying it shows that I have XXXX in my account. But, my end was only showing me XXXX. The whole time he has an attitude. Never once did he explain to me that the check that he personally had deposited into my account, wouldnt be available until tomorrow. My mother had to go up to the bank to get this rectified. Its a joint account. When I called another XXXX, after explaining the situation, the woman proceeded to tell me that these are gambling winnings. They are probably on hold. First, thats absolutely untrue. I told her sweepstakes and gambling arent the same thing. As if it made her better than me, she stated well Ive never done either. Never did I want or ask for her opinion or ask her if she had played. Just both of them were absolutely judgmental, dismissive and rude

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NY

Complaint narrative:
I am the Trustee for the XXXX XXXX XXXX ESTATE LIVING TRUST. Executor over The name XXXX XXXX XXXXXXXX and its derivatives, which has a pending federal trademark XXXX registered to the Trust. 

Equifax, Experian, and TransUnion continue to report, publish, and profit from this name without authorization. When I dispute their data, they claim to verify it using their own records instead of confirming with the lawful party in interest which is fraudulent validation under the FCRA. 

This false process causes ongoing financial harm, reputational injury, and loss of credit opportunity. I request full investigation, removal of unauthorized data, restoration of my credit score to XXXX, and financial compensation for damages caused by fraudulent reporting and misuse of my trademarked name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
I am the Trustee for the XXXX XXXX XXXX ESTATE LIVING TRUST. Executor over The name XXXX XXXX XXXXXXXX and its derivatives, which has a pending federal trademark XXXX registered to the Trust. 

Equifax, Experian, and TransUnion continue to report, publish, and profit from this name without authorization. When I dispute their data, they claim to verify it using their own records instead of confirming with the lawful party in interest which is fraudulent validation under the FCRA. 

This false process causes ongoing financial harm, reputational injury, and loss of credit opportunity. I request full investigation, removal of unauthorized data, restoration of my credit score to XXXX, and financial compensation for damages caused by fraudulent reporting and misuse of my trademarked name.

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 2025-10-09 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  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account 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 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
My sister in law received a call from XXXX XXXX requesting information about me. They assumed fraud and gave me the number. I called and realized they had been aggressively calling me multiple times per day. When I called them to determine who they are and what debt this is for, they became very aggressive when I asked for information about their tacts and that their aggressive behavior cease. I determined it was for a medical debt. They used severely aggressive skip tracing techniques. The representative was incredibly aggressive and unprofessional. I advised them I would research and then make payment arrangements. And they became even more aggressive. I hung up. They then called me repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXXXXXX HAS TRANSFERRED THIS FRAUDULENT ACCOUNT TO XXXX XXXX XXXX TO SUE ME FOR AN DEBT THAT WAS CAUSED BY FRAUD. I HAVE STATED NUMEROUS TIMES IN WRITING AND BY PHONE THAT THIS IS NOT MY ACCOUNT. PLEASE TO CONTACTING ME AND HARRASSING CONSERNING AN ACCOUNT THAT WAS OPEN WITHOUT MY KNOWLEDGE OR PERMISSION. the collector can not provide validation information,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus ( Transunion, Equifax, and Experian ) and XXXX XXXX. However the late payments remain without proper validation or documentation. Under 15 USC 1681 S2, a furnisher must report accurate information. Under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to consumer no later than 21 days before the payment due date. 


I demand to accurately update my payment history as always current and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus ( Transunion, Equifax, and Experian ) and XXXX XXXX. However the late payments remain without proper validation or documentation. Under 15 USC 1681 S2, a furnisher must report accurate information. Under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to consumer no later than 21 days before the payment due date. 


I demand to accurately update my payment history as always current and on time.

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 2025-10-09 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-09 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: MD

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 non-monetary relief
Consumer complaint received 2025-10-09 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
Dear Experian Investigations Team, I am disputing the following accounts as inaccurate or incomplete. You must verify them per Cushman v. TransUnion ( 115 F.3d 220 ) and delete any not independently verified. 
Disputed Accounts : XXXX Contradictory dispute status. 
XXXX Current account mis-coded negative. 
XXXX XXXX Conflicting dates/balance. 
XXXX Charge-off still shows past due. 
XXXX XXXX XXXX Open/Closed and missing XXXX flag. 
XXXX XXXX XXXX data missing original creditor. 
XXXX Status conflict and no validation. 
XXXX XXXX XXXX  DOFD and lates. 
XXXX Current account wrongly flagged negative. 
XXXX XXXX XXXX XXXX XXXX Closed but still late. 
XXXX Bank XXXX Re-aging and date errors.

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 2025-10-09 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: WI

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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

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 2025-10-09 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:
TransUnion is reporting 9 derogatory accounts on my credit file, many of which are inaccurate, misclassified, stale, or illegally reinserted in violation of federal law.

Two previously deleted accounts XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX were reinserted on my report without providing the required 5-day notice under FCRA 611 ( a ) ( 5 ) ( B ). The XXXX account is coded as charged off and purchased by another lender simultaneously, which is factually and metrically impossible under Metro 2. The XXXX account is a {$9.00} charge-off from XXXX that was suddenly re-reported in XXXX without reinsertion notice. 

Additionally, multiple Department of Education XXXX XXXX student loans are deferred or current, yet TransUnion is counting them as derogatory accounts. This is a blatant misclassification and a violation of FCRA 607 ( b ). 

TransUnion, Experian and Equifax has failed to ensure maximum accuracy, provided no lawful reinsertion notice, and is publishing damaging false information that was already resolved. This is willful noncompliance.

Company response to consumer: Closed with non-monetary relief