vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AK, XXXX XXXX XXXX XXXX, XXXX, HI, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX Pl 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 2025-06-03 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:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), please block and delete them within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$9500.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX  RM - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$99.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX CPS Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I settled this debt. They removed the debt from my credit report but then they added the debt back damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( XXXX  ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-06-03 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: SC

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 : Reporting of Inaccurate Credit Information by Experian Summary of Complaint : I am submitting this complaint because Experian is reporting inaccurate and unverified information on my credit report. I formally disputed this information and requested verification under the Fair Credit Reporting Act ( XX/XX/XXXX), but Experian has not provided a satisfactory or legally compliant response within the required time period. 

Accounts in Dispute : XXXX. XXXX XXXX ( Account ending in XXXX ) : Reported late payment in XX/XX/XXXX, which is inaccurate. 
XXXX. XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Reported late payment in XX/XX/XXXX, which is inaccurate. 

XXXX Grounds : Experian is in violation of the following FCRA provisions : XXXX U.S.C. XXXX ( a ) : Failure to conduct a timely and reasonable reinvestigation after receiving my dispute. 
XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum possible accuracy in reporting consumer information. 

In my dispute letter, I also requested documentation and verification in accordance with XXXX compliance standards : The XXXX of XXXX ( MOV ) used for each account. 
The XXXX XXXX XXXX ( XXXX ) applied to these tradelines. 
Copies of validation documentation provided by XXXX XXXX and XXXX XXXX. 
Any communications between Experian and the furnishers of this data. 

Experian has failed to respond with the required information or correct the disputed inaccuracies. 

Requested Resolution : I ask the CFPB to investigate Experians failure to comply with the FCRA and to require them to : Remove the inaccurate negative entries from my credit report. 
Provide legally valid documentation justifying any continued reporting. 
Ensure future compliance with FCRA and XXXX XXXX standards I want CFPB help me with this issue because Experian is failing to comply with the requirements under FCRA laws and they continue doing the sham and poorly investigation even when they have been sue by the XXXX for the same reason, thank 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 2025-06-03 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: SC

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX FINANCIAL Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXXXXX  LL Date : XX/XX/XXXX XXXX  MOR Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXMOR Date : 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-03 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:
Im writing to raise a serious concern about a XXXX XXXX XXXX XXXX loan ( Acct # : XXXX ) that is still being reported on my TransUnion credit file. 

This vehicle was repossessed, and the account was closed in 2019. TransUnion reflects it as paid in full, while XXXX still lists a {$1.00} charge-off balancewhich is inconsistent and makes no sense for a loan that was supposedly resolved years ago. There has been no payment, no contact, and no legitimate update since that time. 

What troubles me most is that over 30 days ago, I sent a formal debt validation request directly to XXXX. I have received no response at allnot a single document or verification to justify this continued reporting. Under the Fair Credit Reporting Act ( FCRA ), if a debt cant be verified, it must not be reported. Yet here I am, still seeing this harmful account on my credit report, years later. 

As someone working hard to rebuild credit and move forward after financial hardship, its extremely discouraging to have this old and unresolved account still weighing me downespecially without any evidence to support it.

The continued reporting of this account violates multiple sections of the FCRA : 15 U.S.C. 1681e ( b ) : Requires credit information to be accurate and current.

15 U.S.C. 1681i ( a ) : If disputed information cant be verified, it must be deleted.

15 U.S.C. 1681s-2 ( b ) : Furnishers may not report unverifiable data.

15 U.S.C. 1681c ( a ) ( 5 ) : Obsolete accounts like this one should no longer be reported after 7 years from the date of delinquency. 

And case law supports this. In XXXX v. TransUnion and XXXX v. XXXXXXXX XXXX, the courts clearly established that a bureau must meaningfully investigate disputes and delete unverifiable items.

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 2025-06-03 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: SC

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX FINANCIAL Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXXXXX  LL Date : XX/XX/XXXX XXXX  MOR Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXMOR Date : 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have recently become aware of unauthorized accounts due to a data breach. Under Section XXXX of the FCRA ( XXXX U.S.C. XXXX ( a ) ), I request the immediate blocking and deletion of the following accounts within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX  - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX FINANCIAL Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXXXXX  LL Date : XX/XX/XXXX XXXX  MOR Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XX/XX/XXXXMOR Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: EdFinancial Services
State: IN

Complaint narrative:
Fraudlent Student loan appeared on My credit report XX/XX/XXXX. 
Contacted XXXX, and XXXX to dispute this account. 
Tried to call ED FInancial CONTACT INFO EDFINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Talked to there agent XXXX She ageed that account was fraud This chat will be monitored and recorded for quality assurance purposes. 
XXXX has joined the conversation Thank you for contacting Edfinancial Live Chat, my name is XXXX. How may I assist you today? 
You have a fraululent account on my social security number XXXX I'd be happy to help you. Do you have a social security number or account number that I can use to pull up the account? 
XXXX SS XXXX XXXX Thank you. Can you verify your first and last name and your date of birth? 
XXXX XXXX XXXX XXXX  XXXX  Thank you. We can begin the discharge process for fraud and identity theft. We will send you a fraud packer that you will need to complete and send back. You will also need to file a police report and send back a copy of the report with the packet. 
This account was opened up by someone using fraud. I am not in school I will be verifying the information we currently have listed on the account and update to your account. You can include this information in the report. 
Is XXXX XXXX XXXX XXXX XXXX, MI XXXX valid? 
XXXX  Is XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX still valid? 
Ok but dont send it to that XXXX  acocunt info. Its on my credit report and hurting my credit score Never been or heard of that address XXXX  Thank you. What is your correct address? 
XXXX XXXX XXXX XXXX Indiana XXXX XXXX  Thank you. Is ( XXXX ) XXXX valid? 
No thats a SCAM Phone number as well .. My Number is XXXX land line or cell is XXXXXXXX XXXX  Thank you. Is XXXX valid? 
NO another scam email my email is XXXX XXXX  Thank you. I have updated all your information and submitted a request for that packet to be sent to you. Once you receive it, each section will advise what is needed and where to obtain the information. I recommend making copies of the police report and the packet that you send to us Ok How long before this comes?? I want this off my credit report immediately It is being sent via both physical mail and email. You can expect both within the next two weeks. 

To today date XX/XX/XXXX Nothing has been done. I have received no Paperwork, The fraud account is still on my credit report. I have tried to call 3 additional time and NO RETURN CALLS OR EMAILS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( XX/XX/XXXX), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} Inquiries CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
Kindly remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize these accounts, nor am I aware of their source. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Please find the attached documents for your review. Additionally, the account details being reported differ between the bureaus and contain 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 non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
XXXX XXXX  Card For XXXX. Reported that I charged XXXX. I have never owned of used this card,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: WA

Complaint narrative:
LexisNexis verified this public records belongs to me when I am them to provide proof the have refused. They conducted a sham investigation this has great harm to mu credit.

Company response to consumer: Closed with explanation