vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute several inaccurate and unverifiable items appearing on my credit file. Under the Fair Credit Reporting Act, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain maximum possible accuracy, and FCRA 605B 15 U.S.C. 1681c-2 requires that information resulting from identity theft, errors, or unverifiable reporting must be blocked and removed from my credit file. 
My credit report includes multiple XXXX XXXX XXXX accounts reported as charge-offs with balances of {$17000.00}, {$14000.00}, and {$12000.00}. These debts exceed {$600.00}, yet no IRS Form 1099-C has been issued to properly document cancellation of debt. Because these accounts are reported without proper verification or supporting documentation, they are inaccurate and must be removed from my credit file to comply with FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, my report includes a XXXX account ending in XXXX, which is reported in collections with a balance of {$0.00}. Reporting a zero-balance account as a collection is misleading and inaccurate. Similarly, a XXXX XXXX account ending in XXXX is reported in collections with a balance of {$1700.00}, and the reporting is inconsistent and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint to dispute several inaccurate and unverifiable items appearing on my credit file. Under the Fair Credit Reporting Act, FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) requires that consumer reporting agencies maintain maximum possible accuracy, and FCRA 605B 15 U.S.C. 1681c-2 requires that information resulting from identity theft, errors, or unverifiable reporting must be blocked and removed from my credit file. 
My credit report includes multiple XXXX XXXX XXXX accounts reported as charge-offs with balances of {$17000.00}, {$14000.00}, and {$12000.00}. These debts exceed {$600.00}, yet no IRS Form 1099-C has been issued to properly document cancellation of debt. Because these accounts are reported without proper verification or supporting documentation, they are inaccurate and must be removed from my credit file to comply with FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). 
Additionally, my report includes a XXXX account ending in XXXX, which is reported in collections with a balance of {$0.00}. Reporting a zero-balance account as a collection is misleading and inaccurate. Similarly, a XXXX XXXX account ending in XXXX is reported in collections with a balance of {$1700.00}, and the reporting is inconsistent and 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This is my fourth complaint regarding XXXX account # XXXX. Despite providing an FTC Identity Theft report and detailed evidence of reporting contradictions, XXXX continues to provide the same boilerplate response without addressing the specific inaccuracies I raised. This is a failure to conduct a reasonable reinvestigation under FCRA 611. 

Key Issues With Reporting : 1. The account is reported as both charged off/ written off ( XX/XX/XXXX ) and past due ( {$670.00} as of XX/XX/XXXX ). These statuses are contradictory and misleading. 
2. The payment grid shows CO repeatedly post-charge-off, while also listing the account as past duean inaccurate dual status.

3. The balance was updated more than a year after charge-off without showing legal or contractual authority to do so.

4. Data remains incomplete ( credit limit, terms, recent payment history, accurate DOFD ). 

FTC Report Submitted : I previously submitted an FTC Identity Theft report for this account. Under FCRA 605B, a furnisher must block or delete fraudulent or unverifiable information within 4 business days unless proven accurate. Affirm has not provided such proof.

Requested Action : I am requesting the CFPB require Affirm to : Conduct a new, complete reinvestigation into the account, OR Permanently delete this account from my credit file due to Affirms ongoing failure to verify or correct inconsistent reporting.

Affirms repeated copy-paste responses and disregard for my FTC report demonstrate clear noncompliance with the FCRA. 


Complaint # XXXX Filed XX/XX/XXXX Complaint # XXXX Filed XX/XX/XXXX Complaint # XXXX Filed 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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
This is my fourth complaint regarding Affirm account XXXX XXXX Despite providing an FTC Identity Theft report and detailed evidence of reporting contradictions, Affirm continues to provide the same boilerplate response without addressing the specific inaccuracies I raised. This is a failure to conduct a reasonable reinvestigation under FCRA 611. 

Key Issues With Reporting : 1. The account is reported as both charged off/ written off ( XX/XX/XXXX ) and past due ( {$670.00} as of XX/XX/XXXX ). These statuses are contradictory and misleading. 
2. The payment grid shows CO repeatedly post-charge-off, while also listing the account as past duean inaccurate dual status.

3. The balance was updated more than a year after charge-off without showing legal or contractual authority to do so.

4. Data remains incomplete ( credit limit, terms, recent payment history, accurate DOFD ).

FTC Report Submitted : I previously submitted an FTC Identity Theft report for this account. Under FCRA 605B, a furnisher must block or delete fraudulent or unverifiable information within 4 business days unless proven accurate. Affirm has not provided such proof.

Requested Action : I am requesting the CFPB require Affirm to : Conduct a new, complete reinvestigation into the account, OR Permanently delete this account from my credit file due to Affirms ongoing failure to verify or correct inconsistent reporting.

Affirms repeated copy-paste responses and disregard for my FTC report demonstrate clear noncompliance with the FCRA. 


Complaint # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The derogatory rating currently appearing on my credit report is causing substantial financial hardship and emotional distress. This negative mark has already led to the denial of a recent loan application and resulted in increased interest rates on my existing credit accounts, creating ongoing financial burden. The presence of this derogatory information continues to limit my access to credit and favorable lending terms, significantly impacting my ability to manage my financial obligations and pursue important financial goals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-12 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: TX

Complaint narrative:
I am filing this complaint because TransUnion continues to publish false and misleading personal information on my credit file that does not reflect my correct legal identity or employment history. Despite my previous disputes, TransUnion has failed to make the necessary corrections, leaving my report inaccurate and damaging to my credibility as a consumer. 

My correct and legal name is XXXX XXXX XXXX XXXX However, TransUnion has been reporting an alias under Also Known As showing XXXX, XXXX, XXXX This is not my name, nor has it ever been associated with me in any legal, financial, or personal capacity. Allowing such a misrepresentation to remain in my file creates confusion for creditors, employers, and landlords who may question my identity or assume negative associations that do not apply to me. 

TransUnion has also listed inaccurate employer information. My report currently reflects NOT APPLICABLE and XXXX as employers, yet I have never worked for these companies at any time. Reporting false employment records suggests instability and dishonesty in my background and undermines my credibility when applying for credit or housing. This type of error is especially damaging in contexts where identity and employment history are scrutinized for decision-making. 

Under the Fair Credit Reporting Act, particularly 15 U.S.C. 1681e ( b ), TransUnion is required to follow reasonable procedures to assure maximum possible accuracy of the information it reports. By publishing a false alias and incorrect employers, TransUnion is failing in that obligation. Furthermore, under 15 U.S.C. 1681i, I have the right to a proper reinvestigation whenever I dispute inaccurate information. A proper reinvestigation means removing unverifiable or false data, not simply maintaining it without proof. 

This is not a harmless mistake. These inaccuracies affect how I am perceived by lenders, landlords, and other decision-makers who rely on my credit report to evaluate my reliability and stability. I have already faced additional scrutiny during credit applications because of these errors, and I should not be forced to carry the burden of proving who I am when TransUnion has the legal responsibility to maintain accurate records in the first place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following items were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and corrected the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove this false and unrecognized account from my credit report, as it is not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion because they are continuing to report inaccurate late payment information on several accounts, even though these accounts clearly show no past due balance or are fully paid with XXXX balance. This is a direct violation of my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

The accounts in question are : 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 What happened is that TransUnion is displaying these accounts as if they carried derogatory late payments when, in fact, there is no outstanding balance or past due amount. In some cases, the accounts are completely paid and closed. Reporting a past due status of {$0.00} is misleading and creates the false impression of delinquency where none exists. This harms my creditworthiness and misrepresents my history to lenders, which is precisely what the FCRA was designed to prevent. 
The law is clear that consumer reporting agencies must ensure accuracy. Under 15 U.S.C. 1681i, when a consumer disputes information, the bureau is obligated to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. TransUnion has failed in this responsibility by leaving these inaccurate notations on my report despite my efforts to correct them. This ongoing inaccuracy has caused me financial harm, higher interest rates, and emotional stress as I am forced to defend myself against data that should never have been reported in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

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 XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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