vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: WA

Complaint narrative:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

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 2025-09-06 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: GA

Complaint narrative:
TransUnion is reporting a XXXX XXXX XXXX XXXX account as charged off with a {$5700.00} balance ( reported XX/XX/year> ). This same account does not appear at all on my XXXX  credit report dated XX/XX/year>. 

This inconsistency across nationwide credit reporting agencies demonstrates that the information is inaccurate and unverifiable. Under the Fair Credit Reporting Act, this violates 607 ( b ) ( requirement of maximum possible accuracy ), 611 ( duty to reinvestigate ), and 623 ( a ) ( 1 ) ( A ) ( furnishers duty not to report known inaccuracies ).

Because one bureau shows the account while another does not, TransUnion is reporting unverifiable data that is harmful to my credit profile. 

I am requesting deletion of this XXXX XXXX account from my TransUnion credit file.

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 2025-09-06 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXX ( XXXX ). According to, 15 U.S. CXXXXe XXXX 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. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-06 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 reached out to XXXX and they advised me to reach out to TransUnion they show everything up to date and no payments reported as late

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 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
Complaint Against Caine & Weiner Account # XXXX I am disputing the collection account being reported by Caine & Weiner under Account # XXXX. I deny owing this debt. Caine & Weiner failed to provide me with the federally required disclosures of my right to dispute the debt before placing it on my credit report, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Additionally, in XXXX XXXX XXXX, the court clarified that verification requires certification or attestation to the facts. Caine & Weiner has not met this standard. 

I demand immediate removal of this account from my credit file. Continued reporting without proper disclosure and verification constitutes unlawful activity, and I reserve the right to pursue legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XXXX XXXX : XXXX My name is XXXX XXXX. I am disputing a collection account that is being inaccurately reported on my credit file. The account is listed as : The Bureaus Account XXXX XXXXXXXX This account is not being reported with maximum accuracy as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. By continuing to report this account in its current form, the credit bureaus are violating federal law.

I request that this account be investigated immediately and corrected or removed from my credit report to ensure compliance with the FCRA. 

Sincerely, XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I originally borrowed less than {$20000.00} in federal student loans. Due to the way interest has been applied, my balance has grown to over {$100000.00}. This massive increase has created an undue financial hardship. Despite making payments, my balance never decreases it continues to grow because interest is applied in a way that outpaces my ability to repay. 

This debt has severely damaged my credit report and prevented me from accessing housing, transportation, and other basic credit needs. My servicer has not provided a path toward affordable repayment or meaningful debt reduction. I request that the CFPB review my account handling, ensure that my servicer is complying with income-driven repayment rules, and take steps to address unfair interest accrual practices that trap borrowers in perpetual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: IL

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC regarding XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) accounts ending in * XXXX and * XXXX. 
Both accounts became delinquent in late XXXX ( DOFDs : XX/XX/XXXX and XX/XX/XXXX ). 
Both were charged off in XXXX. 
Both were paid in full through a refinance payoff in XX/XX/XXXX. 

Despite this, XXXX reinvestigation results and my XX/XX/XXXX credit file show both tradelines with : Date Reported : XX/XX/XXXX Rolling charge-off codes extending beyond XXXX Status : Paid Charge-Off, {$0.00} balance By refreshing these accounts with XX/XX/XXXX reporting dates, Equifax makes them appear to lenders and scoring models as new derogatories, rather than resolved XXXX charge-offs. 

Why This Reporting Is Unlawful FCRA 605 ( c ) : Reporting must run from the DOFD ( XX/XX/XXXX ), not later updates. Any XXXX date violates this. 
FCRA 1681e ( b ) : Requires maximum possible accuracy. Showing these accounts as if active in XXXX is materially misleading. 
FCRA 1681i ( a ) : Equifax failed to conduct a reasonable reinvestigation and simply recycled XXXX data. 
FCRA 1681s-2 ( b ) : XXXX failed XXXX reasonably investigate and correct its inaccurate furnishing. 
FDCPA 1692e : XXXX, as furnisher, misrepresents the character of the debt by depicting it as active through XXXX. 
Metro 2 Guidelines : Require that XXXX remain fixed, a charge-off be reported only once, and a paid charge-off coded as Paid/Closed, {$0.00} balance without refreshed dates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) : technically accurate but misleading reporting violates the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) : misleading impressions are actionable. 
XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) : inaccurate re-aging violates the FCRA. 

Real-World Harm Because Equifax refreshed both tradelines with XXXX dates, scoring models treat them as brand-new derogatories. 
Mortgage scoring models ( FICO XXXX ) heavily penalize recent charge-offs. 
My middle score the XXXX lenders use remains artificially suppressed as if I defaulted in XXXX instead of XXXX. 
I plan to refinance again in the next 612 months. With Equifax showing these as current, I will face higher rates and worse terms. 
This could raise my mortgage costs by {$25000.00} {$50000.00} in additional interest over the loan term. 
This misreporting also damages my credit reputation and creates stress in family financial planning. 

Systemic Pattern I previously filed CFPB Complaint # XXXX for a third XXXX account ( * XXXX ) with the same issue. 
I also filed an XXXX complaint on XX/XX/XXXX against XXXX. 
With XXXX XXXX accounts ( * XXXX, * XXXX, * XXXX ) all showing the same conduct, this is clearly a systemic practice by Equifax and XXXX, not an isolated error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have been trying to make a payment of XXXX to a friend I have paid several Times on the XXXX app and the past XXXX days I continue to be blocked. When I ask they say its for my security but wont provide me with me any detail or context as to why this is happening. This is causing me a lot of challenges and stress. I have never had this issue until recently and now Im non stop having issues and they cant tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

Account Name : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
To : The Bureaus , Inc . 
Re : Collection Account # XXXX I am writing to formally dispute the collection account you are reporting under the name The Bureaus. I do not owe this alleged debt and I refuse to pay it.

Any agreement that may have existed between myself and XXXX XXXX does not constitute any agreement between myself and The Bureaus , Inc. You have no valid contract or obligation binding me to you.

If this entry is not removed from all of my credit reports within 7 days of receiving this letter, I will seek legal representation to initiate a lawsuit for your violations of the law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$1100.00} UNAUTHORIZED INQUIRIES : XXXX XXXX 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 explanation
Consumer complaint received 2025-09-06 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-09-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-09-06 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

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 2025-09-06 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. * * Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Date : * * XX/XX/year> * * Subject : * * Incomplete and Incorrect Information in My Transunion Credit Report This company is in collection and it also sold my information to another company which is also in collections. 
Upon reviewing my TransUnion credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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. PAYMENTS MADE ARE BEING REPORTED AS XXXX for unknow for many years from XXXX XXXX XXXX all payments where made even when the vehicle wasnt being used and I was Overseas on military orders. From 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