vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I am disputing the following inquiries that are inaccurately reported on my TransUnion credit report. 

Inquiries XXXX XXXX Date of Inquiry : XX/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 2025-11-10 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : XXXX  XXXX Retaliatory Account Closure After Legal Dispute Violation of Federal and Florida Law Company : XXXX XXXX XXXX ( XXXX ), XXXX. 
Account : XXXX ending in XXXX Previous CFPB Case XXXX XXXX XXXXXXXX Date of Closure : XX/XX/XXXX What happened I am filing this escalation because XXXX  XXXX closed my account immediately after I lawfully disputed inaccurate late payment reporting and filed a CFPB complaint. 

XXXX XXXX first restricted my account access, then issued a formal account closure notice on or about XX/XX/XXXX, which I received via email ( attached ). This appears to be retaliation for asserting my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Equal Credit Opportunity Act ( ECOA ). 

Despite multiple written disputes and the original CFPB case, XXXX XXXX never provided any documentary proof showing that billing statements were delivered or made available at least 21 days before the payment due date as required by 15 U.S.C. 1666b ( a ).

Instead, they provided only generic letters claiming that statements were available online. Availability is not proof of delivery under TILA or Regulation Z.

When I pressed for compliance, they restricted my account and have now closed it entirely even though this is one of my oldest credit lines in good standing, directly harming my credit score and history.

Violations Federal : TILA ( 15 U.S.C. 1666b & 1637 ( b ) ) No evidence of 21-day delivery or required statement disclosures.

FCRA ( 15 U.S.C. 1681s-2 & 1681i ) Continued reporting of inaccurate data without proper reinvestigation.

ECOA ( 15 U.S.C. 1691 ( a ) ) Retaliation/adverse action for exercising consumer rights. 

Florida Law : Florida Statute XXXX ( as amended by HB XXXX, XXXX ) Unwarranted restriction and closure of a consumer account without valid cause or written justification, reportable to the Florida Office of Financial Regulation ( OFR ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: FL

Complaint narrative:
Subject : XXXX  XXXX Retaliatory Account Closure After Legal Dispute Violation of Federal and Florida Law Company : XXXX XXXX XXXX  ( XXXX ), XXXX. 
Account : XXXX ending in XXXX Previous CFPB Case XXXX XXXX XXXXXXXX Date of Closure : XX/XX/XXXX What happened I am filing this escalation because XXXX  XXXX closed my account immediately after I lawfully disputed inaccurate late payment reporting and filed a CFPB complaint. 

XXXX XXXX first restricted my account access, then issued a formal account closure notice on or about XX/XX/XXXX, which I received via email ( attached ). This appears to be retaliation for asserting my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and Equal Credit Opportunity Act ( ECOA ). 

Despite multiple written disputes and the original CFPB case, XXXX XXXX never provided any documentary proof showing that billing statements were delivered or made available at least 21 days before the payment due date as required by 15 U.S.C. 1666b ( a ).

Instead, they provided only generic letters claiming that statements were available online. Availability is not proof of delivery under TILA or Regulation Z.

When I pressed for compliance, they restricted my account and have now closed it entirely even though this is one of my oldest credit lines in good standing, directly harming my credit score and history. 

Violations Federal : TILA ( 15 U.S.C. 1666b & 1637 ( b ) ) No evidence of 21-day delivery or required statement disclosures.

FCRA ( 15 U.S.C. 1681s-2 & 1681i ) Continued reporting of inaccurate data without proper reinvestigation.

ECOA ( 15 U.S.C. 1691 ( a ) ) Retaliation/adverse action for exercising consumer rights. 

Florida Law : Florida Statute XXXX ( as amended by HB XXXX, XXXX ) Unwarranted restriction and closure of a consumer account without valid cause or written justification, reportable to the Florida Office of Financial Regulation ( OFR ).

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 2025-11-10 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-10 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: CA

Complaint narrative:
I am submitting this dispute in response to inaccurate information present on my credit report. After reviewing the information provided, I believe certain items are incorrect and require investigation. I respectfully request that Experian investigate and update these items as necessary. 

Charged Off Accounts in Dispute : XXXX : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$720.00} XXXX  XXXX : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$3600.00} XXXX  : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$65.00} XXXX  : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX  : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX : Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$490.00} Inquiries : XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX : Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX  : Date Open : XX/XX/XXXX XXXX XXXX XXXXXXXX : Date Open : XX/XX/XXXXXXXX XXXX  : Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  : Date Open : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX  : Date Open : XX/XX/XXXX XXXX XXXX  : Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX : Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Late Payments : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete. 
Below are the details of the account in question : * Creditor Name : XXXX, XXXXXXXX XXXX XXXXXXXX * Account Number : XXXX * Reported Balance : {$2400.00} * Date Reported/Closed : XX/XX/year>, XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.

If your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file.

Please provide me with the results of your investigation, including : 1. The name and address of the creditor who verified the account ; 2. Documentation used to confirm the accuracy of the reported information ; and 3. Written confirmation once any necessary corrections have been made.

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. This item is negatively affecting my credit standing and I have reason to believe that the information being reported is inaccurate and/or incomplete.

Below are the details of the account in question XXXX XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX Reported Balance : {$1400.00} According to the Fair Credit Reporting Act ( FCRA ) 611, I am requesting that you conduct a thorough investigation into this matter and verify the accuracy of all details associated with this account.

If your investigation can not fully verify the accuracy of this charge-off, I request that the account and all associated negative information be deleted immediately from my credit file. 
Please provide me with the results of your investigation, including : XXXX. The name and address of the creditor who verified the account ; XXXX. Documentation used to confirm the accuracy of the reported information ; and XXXX. Written confirmation once any necessary corrections have been made. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of your findings.

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 2025-11-10 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request to Update Credit Report and Address Verification To Whom It May Concern, I am writing to formally request an update and verification of my credit report. Upon review, I noticed that EQUIFAX are currently not reporting any information on my credit profile. This issue is affecting my credit monitoring and the completeness of my credit file.

Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and up-to-date information in consumer credit files. Therefore, I am requesting that both Equifax and Experian update and synchronize my credit report information to ensure it reflects my full and accurate credit history. 


Additionally, I am providing new proof of address documentation to verify and update my personal information on file. Please update my records accordingly and confirm that my current address is accurately reflected in your system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
This complaint is against Midland Credit Management for continuously reporting an alleged {$380.00} debt tied to ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) to all three credit bureaus without any written proof or validation. 
I have disputed this account multiple times directly with Midland and each credit bureau all by certified mail and I have never received the original contract, payment history, or assignment of debt. 
Instead, I get generic letters saying its verified, which violates FCRA 611 ( a ) ( reasonable reinvestigation ) and FDCPA 809 ( b ) ( debt validation ).

Midland has also threatened to sue me over the phone, which is a violation of FDCPA 807 ( 5 ). Reporting and collecting on an unverified account is deceptive and unlawful.

If validation is not produced or the account deleted within 15 days, I will file suit under FCRA 616617 and FDCPA 813 for damages caused by this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am disputing the following items on my credit report that I believe are incorrect or incomplete. I request that TransUnion investigate and correct these inaccuracies as soon as possible. 

Accounts in Dispute : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$71.00} Late Payments : XXXX : Account Number : XXXXXXXX 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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : XXXX. A signed FTC Identity Theft Report XXXX. A police report filed with my local Police Department XXXX. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for continuing to report late payments that are completely inaccurate, unverifiable, and misleading. I have disputed this account several times directly with XXXX and with allXX/XX/XXXXcredit bureaus. Not XXXX of them has provided a single document verifying the alleged late payments no payment ledger, no billing record, no communication history absolutely nothing. 
Every time I request validation, I get the same generic verified response. Verified by who? That is not proof. Under FCRA XXXX ( a ) and XXXX ( a ), you are required to conduct a reasonable reinvestigation and provide written verification from the data furnisher. Continuing to report without documentation is a clear violation of the Fair Credit Reporting Act and Metro 2 Compliance Standards XXXX, which require all data to be 100 % accurate, complete, and verifiable. 
This is hearsay reporting and until XXXX can produce written records showing exact payment dates, amounts, and due dates, these late payments must be removed. I am not accepting system generated responses. Do your job and provide real proof. 
This account has been disputed repeatedly for months, and the failure to verify demonstrates willful noncompliance under FCRA XXXX. Its unacceptable that billion-dollar companies continue to damage consumers credit using unverified data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I respectfully dispute the accuracy of the charge-off information reported by Equifax. The status and balance reported for this account are inaccurate, and I request that Equifax conduct a full investigation in accordance with FCRA XXXX ( b ). This information must be corrected to ensure that my credit report reflects only accurate and complete data. 


CHARGED OFF ACCOUNTS XX/XX/XXXX OF XXXX Account Number : XXXXXX/XX/XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Issue : The charge-off status and balance are incorrect and should be corrected. I request an investigation into the details of this account. 


. INQUIRIES XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Issue : Unauthorized inquiry. I did not provide consent for this credit check. 

FCTUALDATA Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Issue : Multiple inquiries reported without my authorization. I request a review of these entries and their removal if they are unauthorized. 

XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Issue : Unauthorized inquiry. This inquiry was not authorized by me. 


LATE PAYMENTS XXXX & XXXX BANK Account Number : XXXXXX/XX/XXXX Issue : The late payment entries for this account are incorrect. I request that these be updated to reflect my actual on-time payments. 

XXXX Account Number : XXXXXX/XX/XXXXIssue : The reported late payments are inaccurate. Please update the payment history to reflect accurate, timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA XXXX ( 15 U.S.C. XXXX ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA XXXX & XXXX. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-10 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe XXXXe ) for deceptive and misleading reporting.

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