vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: AR

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ar XXXX XXXXXXXX XXXX XXXX  Re : Formal Dispute of Inaccurate/Incomplete Reporting XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am formally disputing the accuracy and completeness of the information being reported regarding the above-referenced account. This account is being reported as a collection/charge-off, yet the data you are furnishing is inaccurate, incomplete, and in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 
The following issues are in dispute : 1. Incomplete/Inconsistent Data The account is not being reported consistently across credit bureaus, with discrepancies in the date of first delinquency, balance owed, payment history, and account status. This inconsistency constitutes inaccurate reporting under FCRA 607 ( b ), which requires maximum possible accuracy.

2. Failure to Validate the Debt If this account is being furnished by a third-party collection agency, I have not received proper validation of the debt as required under FDCPA 809 ( b ). Without such proof, you are reporting unverifiable information.

3. Potential Re-Aging of Debt The reporting dates appear to have been manipulated or updated beyond the legally allowed timeframe, which may constitute unlawful re-aging of debt under FCRA guidelines.

4. Incomplete Information Critical identifying information such as the correct original creditor, accurate balance, and clear payment history is either missing or reported inconsistently. This renders the entry incompleteunder FCRA 611 ( a ).

Accordingly, I demand that you : * Immediately conduct a full investigation of this account as required under FCRA 611 ( a ).

* Delete this account if you can not verify the accuracy and completeness of all information within 30 days. 
* Provide me with a written explanation and evidence of how you verified the information if you continue to report it. 
Failure to comply with your obligations under federal law will leave me with no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider pursuing legal remedies for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

This letter serves as my official notice of dispute. I expect a timely response within the 30-day period mandated by the FCRA.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
This company is violating my rights and haven't verified my information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. I have made several attempts to fix this issue with them and they're violating my rights. I'm entitled to {$1000.00} for every violation I listed. The company needs to either pay me or delete account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
No one has been in touch with me about my debt. I had a court date on XX/XX/year>. I did my part to reach out to the law firm Chase bank had takeover the case. No one has gotten back to me, I emailed, called, and left voicemails. Shows online they are open but not one person has gotten back to me. I wanted to set up a payment plan and to make sure the debt I owed was a set amount and would not gain interest. I called them on XX/XX/year>XXXX  at XXXX to see about a payment plan before the court date or to even avoid court as a whole. No answer. I called them again on XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I left voicemails as well. I called them today, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I left voicemails as well I even emailed a person that was listed on my case I guess as an attorney or representative, I emailed on XX/XX/year>XXXX  to XXXX XXXX at his email listed on the papers that were served.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a direct response to Experians XX/XX/year> claim that my credit dispute was submitted by an unauthorized third party.

That is completely false. 

I, XXXX XXXX, personally drafted, signed, and submitted my dispute letters. I used XXXX, a secure online mailing service, to print and mail my disputes. XXXX is not a credit repair company, legal rep, or third party preparing disputes it's the modern equivalent of walking into the post office.

I did not authorize anyone else to act on my behalf. No third party submitted anything on my behalf. I am the only person creating, signing, and sending my disputes.

Furthermore and this is critical Experian updated my credit file with the new address I included in my last mailed dispute letter, which proves : They received my dispute They processed the
personal identifying info I submitted They verified my identity enough to update my report So how can they update my address but claim they dont know if I sent the letter?

Experians response makes no sense and is clearly a stall tactic to avoid fulfilling their legal obligations under the Fair Credit Reporting Act ( FCRA ). I am disputing inaccurate and unverifiable information and providing all legally required information. Under FCRA 1681i and 1681e ( b ), they are required to : Investigate my dispute Provide documentation from the furnisher Or delete the account ( s ) if they can not verify Instead,
Experian is using the delivery method ( XXXX  ) as an excuse to dismiss my disputes despite the fact that they acted on the letter by updating my file.

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 2025-08-20 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: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-20 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
I am disputing the reporting of a public record XXXX XXXX XXXX XXXX XXXX  on my credit report. 

Court Name : XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Court Phone : XXXX Case Number : XXXX Type : XXXX  XXXX Discharged I contacted the U.S. XXXX XXXX directly and confirmed that the Court does not report XXXX records to the credit bureaus ( Experian, Equifax, or XXXX  ). Public records are housed in the PACER system but not furnished to any consumer reporting agencies. 

Since the Court does not provide this data to the credit bureaus, I am requesting an investigation into how the bankruptcy was verified and reported. I believe this information is inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) and should be removed from my credit file immediately. 

I respectfully request that the CFPB require the credit reporting agencies to provide documented proof of verification from the original source ( the U.S. XXXX  Court ) or delete this record from my credit report in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: FL

Complaint narrative:
This is a formal complaint against the credit reporting agency for reporting unauthorized and/or inaccurate hard inquiries on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b ( permissible purpose ) and 1681i ( dispute investigation obligations ). I have not granted authorization for several of the inquiries currently appearing on my report, and no permissible purpose exists for those entities to have accessed my file. The agency has allowed these inquiries to be reported without verifying consent or purpose, and has failed to conduct a proper reinvestigation upon my formal dispute, thereby violating its statutory obligations to ensure accuracy and integrity in consumer reporting. The continued presence of these false and unverified inquiries has harmed my credit profile, limited my access to credit, and exposed me to financial discrimination. The agencys inaction and refusal to uphold its legal responsibilities have left me no choice but to escalate this matter through regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-20 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: MS

Complaint narrative:
I am submitting this complaint against Experian in connection with their handling of a disputed XXXX XXXX XXXX account that continues to appear on my consumer report. 

Despite my repeated written requests for validation and reinvestigation over the past several months, Experian has failed to provide me with proper documentation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

I have previously disputed multiple accounts tied to the XXXX  Equifax data breach. Experian has already removed some of these accounts after acknowledging their inaccuracy. 

However, Experian continues to report the XXXX XXXX XXXX account ( opened XXXX, charged-off, balance {$10000.00} ) as accurate, even though it was compromised in the breach. 

I filed disputes via certified mail, including identity verification documents, an FTC report, and a notarized affidavit. I specifically requested copies of the reinvestigation and supporting evidence Experian relied upon. 


Experian has ignored my repeated requests for reinvestigation and has failed to provide me with the required documentation of their process. 

It has been over five months since my last request, yet I have not received a reinvestigation report, nor any supporting documents. 

Their continued reporting of this disputed account constitutes a violation of my rights under FCRA 1681i and 1681c-2.

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 2025-08-20 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 regarding Experians violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued identification, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four-business-day period required under 605B and instead verified the accounts without disclosing the sources or evidence of verification, in violation of 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, including XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which affirm consumers rights to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experians failure to uphold consumer protections under the FCRA.

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