vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am submitting this formal complaint to the Federal Trade Commission ( FTC ) regarding Experians repeated failure to delete or correct inaccurate and unverifiable information reported under the account XXXX, account number partially ending in XXXX. 

Despite XXXX formal disputesdated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXXExperian continues to report this account with severe technical violations of the Metro 2 standard and legal noncompliance under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and Pennsylvania 's Unfair Trade Practices and Consumer Protection Law ( UTPCPL ). 

The errors include, but are not limited to : Chronologically impossible Payment History Profile ( XXXX ) ; Missing Date of First Delinquency ( XXXX ) and Payment Rating ( XXXX ) ; Omission of required Special Comment Codes ( XXXX ) ; Failure to apply Compliance Condition Code XB ( XXXX ) during the active dispute ; Incorrect Account Status reported as Open despite delinquencies ( XXXX ) ; Inaccurate Date of Last Activity ( XXXX ), failing to reflect verified payments ; No method of verification or documented reinvestigation provided, as mandated by 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), ( XXXX ), ( XXXX ). 

These facts demonstrate a systemic failure to conduct a reasonable reinvestigation, as required by law and affirmed in Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ).

Experians actions ( and omissions ) not only constitute technical reporting violations but also result in continued harm to my credit reputation and financial stability, which qualifies as a material and justiciable injury under Ramrez v. TransUnion ( SCOTUS, 2021 ). 

Relief Requested : I respectfully request that the FTC : Investigate Experians failure to comply with FCRA 1681i and 1681e ( b ), and violations of Metro 2 compliance ; Enforce immediate deletion of the XXXX account from my Experian report ; Mandate proper reinvestigation procedures and evidence disclosure under 1681i ( a ) ( XXXX ) ; Apply appropriate regulatory or civil enforcement if willful noncompliance is confirmed. 

I am attaching the XX/XX/XXXX dispute letter to Experian, credit report excerpts showing the ongoing reporting issues, and documentation of the previous disputes. I will also proceed with formal complaints to the CFPB and the Pennsylvania Attorney General 's Office if Experian continues to ignore its legal duties. 

Certification : I certify that the facts described above are true and accurate to the best of my knowledge and that this complaint is submitted in good faith to protect my rights as a consumer under federal and state law. 

Signature : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C 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. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-17 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: NJ

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. 

XXXX - XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days

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 2025-07-17 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX opened in XXXX2025 XXXX XXXX XXXX XXXX opened in XXXX.2025 XXXX XXXX XXXX XXXX opened in XXXX.2025

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 2025-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX opened in XXXX2025 XXXX XXXX XXXX XXXX opened in XXXX.2025 XXXX XXXX XXXX XXXX opened in XXXX.2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
XXXX has both inaccurately reported my student loan account and refused to provide reasonable goodwill relief. 

In their previous response to my CFPB complaint, they cited that the reporting of a 90-day late mark in XXXX was accurate based on a payment due XX/XX/year>. While I accept that determination ( even though the balance was only {$55.00} and I have since brought it current ), I am now disputing a new and factually incorrect credit report update showing my loan as 90 days late in XX/XX/year>. 

A payment due XX/XX/year>XXXX  can not possibly result in a 90-day late status in XX/XX/year>. That is mathematically and procedurally impossible under the Fair Credit Reporting Act ( FCRA ), which defines 90 days late as three full billing cycles ( XXXX days ) past due, which in this case would not occur until at least XX/XX/year>. 

Additionally, XXXX failure to acknowledge or correct this error even after my dispute with Experian is harmful, negligent, and misleading. My credit score has plummeted from the XXXX to around XXXX as a result of this issue, despite the fact that the new derogatory item is clearly false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NEW YORK COMMUNITY BANCORP INC
State: CO

Complaint narrative:
My loan was service transferred in the same month I executed a loan modification with Flagstar. Even though the servicing transfer notice acknowledged the existence of the loan modification, my loan modification was never boarded correctly by Flagstar before the new XXXX, XXXX XXXX took ti over, and even though they have promised it will be corrected they have proceeded with foreclosure efforts. They are charging interest on loan proceeds they pocketed, reporting my loan incorrectly to the CRAs, and not responding to my notice of error mailings. We have made endless attempts since XX/XX/year> to have the loan modification boarded properly with XXXX XXXX with no resolution. I believe this problem started with Flagstar and is not being addressed by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IN

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1200.00} Bureau ( s ) : Experian, Equifax, TransUnion Type : Collection ( Purchased Account with No Chain of Custody ) Action Requested : Deletion unless full proof of ownership, accurate DoFD, and itemized documentation are provided. 


XXXX XXXX is reporting a debt from XXXX without providing any chain of custody documentation or ownership validation. The Date of First Delinquency seems inaccurate and the lack of documentation violates FDCPA 809 ( a ) ( proof of debt ) and FCRA 623 ( a ) ( furnishing accurate information ). Metro 2 standards also require proper validation and accurate DoFD report. 

A detailed dispute letter is attached.

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 2025-07-17 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, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$5200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my credit report. I am specifically concerned about the late payment history associated with the account listed below, which is having a negative impact on my credit standing. 

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$0.00} While I acknowledge the account itself is valid and do not wish to have it removed, I strongly dispute the accuracy of the late payment entries associated with it. I believe these payment history entries are being reported in error or are outdated and should no longer appear in my file. 

I have attached relevant documentation, to support this dispute and demonstrate the discrepancies. I kindly request that you investigate this matter thoroughly and ensure that only the inaccurate late payment history is removed, without affecting the overall presence of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-17 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I, XXXX XXXX am writing to formally notify you that I am a victim of inaccurate or unauthorized reporting on my consumer credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, I am requesting the prompt review and correction/removal of the following outdated, inaccurate, or fraudulent information XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I, XXXX XXXX am writing to formally notify you that I am a victim of inaccurate or unauthorized reporting on my consumer credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c, I am requesting the prompt review and correction/removal of the following outdated, inaccurate, or fraudulent information XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief