vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: AZ

Complaint narrative:
I disputed a charged-off credit card account reported by XXXX XXXX XXXX with Experian transunion and Equifax because it contained multiple factual inaccuracies, including : Repeated reporting of the same Paid on XX/XX/year> date for over 24 months after no payments were made. 
Inconsistent Date of First Delinquency between bureaus and within the same report, which impacts the reporting period. 
High balance ( {$510.00} ) exceeding contractual credit limit ( {$300.00} ) without supporting documentation. 
Multiple Charge-Off notations in consecutive months instead of a single event. 
Missing critical fields, including the Date of Last Activity and Original Creditor Name. The bureaus verified the account without providing proof. I then sent a Method of Verification request under FCRA 611 ( a ) ( 7 ) asking for the name and contact of the furnisher, the method used, and the original documentation used to verify the information.

They failed to provide this required information within the statutory time frame and have not deleted the account.

This is a violation of the Fair Credit Reporting Act ( FCRA ) for : Failure to maintain maximum possible accuracy ( 607 ( b ) ) Failure to provide the method of verification upon request ( 611 ( a ) ( 7 ) ) Continued reporting of unverifiable information ( 611 ( a ) ( 5 ) )

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 2025-08-13 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you the TransUnion credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX Inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you the TransUnion credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX Inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Requested Action I am requesting the following : Immediate deletion of any account that can not be fully verified, including original signed agreements and full payment history.

Removal of any re-aged or inaccurate payment history, especially repeated XXXX, and collection marks.

A full written summary of your reinvestigation results within 30 days, as required under 15 USC 1681i ( a ). 

Notification to any third parties who received this information in the last 6 months, per 15 USC 1681i ( d ).

If these errors are not corrected within the legally required time limit, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: National Credit Systems,Inc.
State: CO

Complaint narrative:
I am a victim of identity theft following a breach of my Social Security information. A fraudulent {$12000.00} collection from National Credit Systems , Inc. has been placed on my XXXX  credit report, related to a lease in XXXX XXXX, XXXX, where I have never resided. 

I submitted a police report and documentation to XXXX  showing that this debt is false and linked to identity theft. XXXX  refused to remove the account, despite clear evidence and a history of similar fraudulent leases being previously removed. 

XXXX  is failing to uphold its responsibilities under the Fair Credit Reporting Act ( FCRA ) by continuing to report false, damaging information. This has negatively impacted my credit and financial wellbeing. 

I am requesting immediate intervention to have this account removed and my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
There are several errors found on 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 non-monetary relief
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
My information was involved in a XXXX Data Breach and these are the accounts listed in my credit report that are NOT mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MA

Complaint narrative:
I am disputing a false late payment and unauthorized withdrawals by XXXX XXXX XXXX XXXX ( XXXX ). I have no active loan or account with XXXX and previously informed them I did not require their services. Despite this, XXXX has been withdrawing monthly payments from my bank account without my authorization, totaling approximately {$3500.00}. 

My taxes were resolved directly with the IRS, and I never agreed to or signed for any service or loan from XXXX. I have bank statements showing these unauthorized withdrawals and a credit report showing the inaccurate late payment entry. 

The account is reported under the last XXXX digits XXXX, with a late payment reported on XX/XX/year>. This is an inaccurate tradeline that has damaged my credit score by XXXX points. 



Fair resolution : Remove the inaccurate late payment from my credit reports with all credit bureaus ( XXXX, XXXX, and TransUnion ). 
Refund all unauthorized withdrawals totaling approximately {$3500.00}. 
Provide written confirmation that my account with XXXX is closed and no further charges will be made. 
Provide a written explanation detailing how these unauthorized charges and false credit reporting occurred.

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 2025-08-13 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: MA

Complaint narrative:
I am disputing a false late payment and unauthorized withdrawals by XXXX XXXX XXXX XXXX ( XXXX ). I have no active loan or account with XXXX and previously informed them I did not require their services. Despite this, XXXX has been withdrawing monthly payments from my bank account without my authorization, totaling approximately {$3500.00}. 

My taxes were resolved directly with the IRS, and I never agreed to or signed for any service or loan from XXXX. I have bank statements showing these unauthorized withdrawals and a credit report showing the inaccurate late payment entry. 

The account is reported under the last XXXX digits XXXX, with a late payment reported on XX/XX/year>. This is an inaccurate tradeline that has damaged my credit score by XXXX points. 



Fair resolution : Remove the inaccurate late payment from my credit reports with all credit bureaus ( Equifax, XXXX, and XXXX  ). 
Refund all unauthorized withdrawals totaling approximately {$3500.00}. 
Provide written confirmation that my account with XXXX is closed and no further charges will be made. 
Provide a written explanation detailing how these unauthorized charges and false credit reporting occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: MA

Complaint narrative:
I am disputing a false late payment and unauthorized withdrawals by XXXX XXXX XXXX XXXX ( XXXX ). I have no active loan or account with XXXX and previously informed them I did not require their services. Despite this, XXXX has been withdrawing monthly payments from my bank account without my authorization, totaling approximately {$3500.00}. 

My taxes were resolved directly with the IRS, and I never agreed to or signed for any service or loan from XXXX. I have bank statements showing these unauthorized withdrawals and a credit report showing the inaccurate late payment entry. 

The account is reported under the last XXXX digits XXXX, with a late payment reported on XX/XX/year>. This is an inaccurate tradeline that has damaged my credit score by XXXX points. 



Fair resolution : Remove the inaccurate late payment from my credit reports with all credit bureaus ( XXXX, Experian, and XXXX  ). 
Refund all unauthorized withdrawals totaling approximately {$3500.00}. 
Provide written confirmation that my account with XXXX is closed and no further charges will be made. 
Provide a written explanation detailing how these unauthorized charges and false credit reporting occurred.

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 2025-08-13 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: TX

Complaint narrative:
XXXX is inaccurate I submitted a dispute .. They have the datafurnish as XXXX  court of XXXX XXXX  XXXX I have a letter from the datafurnisher stating they do not report to any credit bureas .. So how can XXXX list them as the datafurnisher per my credit report... The datafurnisher experian has listed stated via letter to me that they do not report to credit bureas .. I am requested experian remove the XXXX  .. Their information is inaccurate and untrue .. XXXX came back and stated the bankruptcy will remain because it was verified " certified ''.. Under 15 U.S.C 1681 EB " The Bureas are legally required to maintain maxium possible accuracy on my credit report ' but how are they accurate if the info they claim was verified by the courthouse wasn't even verified or provided by the courthouse .. That is an inaccuracy which is FCRA VIOLATION

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 2025-08-13 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: NM

Complaint narrative:
On XX/XX/year>, I contacted Experian to dispute late-payment entries that occurred while I was XXXX XXXX XXXX I asked Experian to review the accuracy with the furnishers and to add a statement of hardship. The agent told me it was my problem and then hung up. I am requesting a reinvestigation, a consumer statement on my file, and confirmation of the results in writing. 
I want all the late payments removed. the Law says they can't be added unless they follow the Law. which Experian Doesn't.

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 2025-08-13 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: NM

Complaint narrative:
On XX/XX/year>, I contacted Experian to dispute late-payment entries that occurred while I was XXXX XXXX XXXX I asked Experian to review the accuracy with the furnishers and to add a statement of hardship. The agent told me it was my problem and then hung up. I am requesting a reinvestigation, a consumer statement on my file, and confirmation of the results in writing. 
I want all the late payments removed. the Law says they can't be added unless they follow the Law. which Experian Doesn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT XXXX XXXX XXXXERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court - Middle District of North Carolina that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT XXXX XXXX XXXXERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S. Bankruptcy Court - Middle District of North Carolina that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Their investigation did not fix an error on 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 non-monetary relief