vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: WI

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting.

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AR

Complaint narrative:
My credit report contains negative information that is more than seven years old, in violation of FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), which prohibits reporting obsolete information. Despite my dispute pointing out the age of the account, the credit bureau has continued to include it in my report, affecting my ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-19 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account name : XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00} Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX  Date Opened : XX/XX/XXXX Balance : {$9000.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$5900.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
XXXX  says my VEROS Credit account was verified and updated, but the only change was adding a co-signer name and refreshing the balance date. The core errors remain : the account is reported as charged off and past due at the same time, and the dates conflict ( charge-off in XX/XX/year> vs last payment XX/XX/year> ). Im requesting deletion or accurate correction. 

I am disputing XXXX  handling of my VEROS Credit tradeline. XXXX  marked it verified and updated, but the update only added a co-signer name and refreshed the balance-updated date. The underlying inaccuracies I raised were not corrected, violating FCRA 607 ( b ) ( accuracy ) and 611 ( reasonable investigation ).

Ongoing inaccuracies : 1. Double reporting : The account shows charged off ( {$4500.00} written off ) and {$1100.00} past due simultaneously. After charge-off, the past due amount field should not continue to report as if payments are duethis is misleading double derogatory reporting. 
XXXX. Date conflict : XXXX  lists the status/charge-off date as XX/XX/year> but the last payment as XX/XX/year>. These dates can not both be correct. 
XXXX. Cosigner/name change is irrelevant : The update added Signer with XXXX XXXX XXXX and XXXX only the balance updated date ; it did not address the accuracy issues above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AR

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit file. The following names have been incorrectly attached to my profile and must be removed : XXXX, XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX. Several addresses are also falsely associated with me, including : XXXXXX/XX/XXXXXXXX XXXX XXXX, AR XXXX ; XXXX XXXX, XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; and XXXX Velvet XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX. Additionally, charge-off accounts from XXXX XX/XX/XXXXXXXX XXXX ) and XX/XX/XXXX-Integra are inaccurately reported and should be corrected or removed. I am also disputing unauthorized inquiries from XXXX XXXX ( XX/XX/year>XX/XX/XXXX which were not initiated or authorized by 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 2025-09-19 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: CA

Complaint narrative:
Hey. I've sent XXXX letters already XXXX at XX/XX/year> and XX/XX/year> and the innacurate items on my report still remain without proper verifaction done on your part. I am in a really tough spot financially and i'm having trouble buying a home for my family and have been feeling really emberassed due to my living situation. I need this handled ASAP. Please review the letter i've attatched to this complaint it's the same letter I sent on XX/XX/year> ( the most recent one ). 

I would appreciate if you can get back to me as soon as possible. My mom and XXXX brothers are depending on me so we can look for better housing in california since we live in a dangerous neighborhood.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: CA

Complaint narrative:
Hey. I've sent XXXX letters already XXXX at XX/XX/year> and XX/XX/year> and the innacurate items on my report still remain without proper verifaction done on your part. I am in a really tough spot financially and i'm having trouble buying a home for my family and have been feeling really emberassed due to my living situation. I need this handled ASAP. Please review the letter i've attatched to this complaint it's the same letter I sent on XX/XX/year> ( the most recent one ). 

I would appreciate if you can get back to me as soon as possible. My mom and XXXX brothers are depending on me so we can look for better housing in california since we live in a dangerous neighborhood.

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 2025-09-19 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: HI

Complaint narrative:
I am filing this complaint against TransUnion LLC for knowingly reporting inaccurate, unverifiable, and derogatory information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i.

On my TransUnion credit report dated XX/XX/year> ( myFICO 3-Bureau Report ), the following accounts are listed as derogatory : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( charged-off account only ; I also have an active positive XXXX  XXXX account, which is not disputed ). 

These accounts are inaccurate and unverifiable. I am also a documented class member in Norman v. TransUnion, LLC ( Civil Action No. 2:18-cv-05225, E.D. Pa. ), where TransUnion settled systemic FCRA dispute-handling failures. My settlement check, dated XX/XX/year>, is attached as proof. 

The continued reporting of unverifiable information shows repeat violations. I demand deletion or full documented verification.

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 2025-09-19 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am submitting to formally request a copy of my consumer credit report maintained by Equifax, as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681g. The FCRA grants consumers the right to obtain their credit file disclosure from each nationwide credit reporting agency upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
Address listed is incorrect and not mine. 

XXXX XXXX XXXX XXXX XXXX, VA 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 2025-09-19 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 have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
My credit has fallen due to a false dent from this collector on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In early 2025, I discovered a collections entry from the Department of Education on my credit report. I had never received any prior communication no phone call, email, or mailed notice warning me of an impending collections report. I submitted a written dispute requesting documentation proving they had attempted to notify me before reporting to collections ( including address history, phone/email contact, or mailed notices ). Their response was a vague form letter that did not include any evidence of contact attempts. They claimed I was disputing the validity of the debt but failed to provide any proof they had actually tried to notify me. The only notice they referenced was a single generic form mailed to an outdated address even though they had my updated information, as evidenced by other loans successfully contacting me without issue. I even offered to pay the debt in full if they would remove the credit entry, but they refused. This shows a lack of willingness to resolve the matter fairly despite their own procedural failure.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In early 2025, I discovered a collections entry from the Department of Education on my credit report. I had never received any prior communication no phone call, email, or mailed notice warning me of an impending collections report. I submitted a written dispute requesting documentation proving they had attempted to notify me before reporting to collections ( including address history, phone/email contact, or mailed notices ). Their response was a vague form letter that did not include any evidence of contact attempts. They claimed I was disputing the validity of the debt but failed to provide any proof they had actually tried to notify me. The only notice they referenced was a single generic form mailed to an outdated address even though they had my updated information, as evidenced by other loans successfully contacting me without issue. I even offered to pay the debt in full if they would remove the credit entry, but they refused. This shows a lack of willingness to resolve the matter fairly despite their own procedural failure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In early 2025, I discovered a collections entry from the Department of Education on my credit report. I had never received any prior communication no phone call, email, or mailed notice warning me of an impending collections report. I submitted a written dispute requesting documentation proving they had attempted to notify me before reporting to collections ( including address history, phone/email contact, or mailed notices ). Their response was a vague form letter that did not include any evidence of contact attempts. They claimed I was disputing the validity of the debt but failed to provide any proof they had actually tried to notify me. The only notice they referenced was a single generic form mailed to an outdated address even though they had my updated information, as evidenced by other loans successfully contacting me without issue. I even offered to pay the debt in full if they would remove the credit entry, but they refused. This shows a lack of willingness to resolve the matter fairly despite their own procedural failure.

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 2025-09-19 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: OH

Complaint narrative:
Remov items bc somone has stolen my identity. I did not agre to it. Can you take thos away to fix my credit report? Thank u so much!

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 2025-09-19 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
There are two collection accounts on my credit reports and they have been removed from XXXX  and XXXX  but not XXXX. I disputed the collection accounts online with all three bureaus. When I received my dispute results from XXXX  it stated that they received proof from the company. I called XXXX  and requested a copy of their investigation and they CAN NOT PROVIDE IT. I asked what they received from the agencies and they stated " they said it belonged to you. '' What?? of course they said that, what else are they going to say after buying debt. It is NOT my debt and they have no proof because there is none. A company making a statement with no wet signature or copy of contract does not suffice as proper evidence. Why does their word carry more weight than mines. They said it is and I say it's not. These are not my accounts and if they can't provide proof other than a collection agency saying they are does not suffice. I am only filing this before I move up the chain and file a lawsuit against XXXX. CCS COLLEC, XXXX XXXX XXXX, XXXX, MA XXXX Phone : ( XXXX ) XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX Phone XXXX ( XXXX ) XXXX # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation