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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

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 — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Demand for Deletion Charge-Off Reporting Account type : Time share Dear Experian, This letter serves as a formal dispute of inaccurate and unverifiable information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, the reporting of a charge-off by [ Creditor Name ] on the account referenced above is inaccurate, incomplete, and damaging to my creditworthiness. 

Item in Dispute : Account name XXXX XXXX Account Number : begin XXXX Status : Charge-off Date Reported : [ XX/XX/XXXX ] Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I demand that you conduct a thorough reinvestigation of this account and provide written proof that the information is accurate, complete, and verifiable. This includes, but is not limited to : XXXX. The original signed agreement or contract bearing my signature. 


XXXX. A complete payment history on the account from the original creditor. 


XXXX. The date of first delinquency and evidence it was reported correctly. 


XXXX. Proof that the alleged debt was legally charged off in compliance with applicable federal and state laws. 



If you are unable to obtain complete, verifiable documentation from the furnisher within 30 days as required by the FCRA, you must delete the account from my file immediately and send me an updated copy of my credit report.

Be advised that under FCRA 623 and FCRA 607 ( b ), any party reporting information to your bureau is required to report only accurate and complete data. Failure to remove unverified or inaccurate information after my dispute will constitute willful noncompliance and may result in legal action, statutory damages under FCRA 616 and 617, and a formal complaint to the Consumer Financial Protection Bureau ( CFPB ).

This dispute is made in good faith, and I expect full compliance with federal law. If you continue to report this item without proper verification, I will consider it a knowing and willful violation of my rights under the FCRA.

Please respond within the 30-day period mandated by law and send all correspondence to my address listed above. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-13 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: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint against the three major credit bureaus for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, after reviewing my credit report from XXXX, I discovered multiple inaccurate items, unauthorized inquiries, and outdated personal information. I formally disputed these items and requested : A full reinvestigation under 15 U.S.C. 1681i ( a ).

The complete method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

A full file disclosure under 15 U.S.C. 1681g.

The disputed items include : Incorrect previous addresses and employer information. 

Unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). 

Multiple inaccurate tradelines, including charge-offs, collections, and late payment accounts. 

I have personally submitted all disputes, along with proper identification and supporting documents, yet the bureaus have failed to make corrections or provide adequate verification. Instead, they continue to report inaccurate, incomplete, and unverified information, a clear violation of 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ).

This failure to correct errors also extends to personal information maintenance. Despite my explicit request, the bureaus have not removed outdated and unverifiable identifiers such as old addresses and employer listings, which violates their duty to maintain accurate consumer data.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I, XXXX XXXX, am filing this complaint against the three major credit bureaus for ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, after reviewing my credit report from XXXX, I discovered multiple inaccurate items, unauthorized inquiries, and outdated personal information. I formally disputed these items and requested : A full reinvestigation under 15 U.S.C. 1681i ( a ).

The complete method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

A full file disclosure under 15 U.S.C. 1681g.

The disputed items include : Incorrect previous addresses and employer information. 

Unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ). 

Multiple inaccurate tradelines, including charge-offs, collections, and late payment accounts. 

I have personally submitted all disputes, along with proper identification and supporting documents, yet the bureaus have failed to make corrections or provide adequate verification. Instead, they continue to report inaccurate, incomplete, and unverified information, a clear violation of 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ) and 15 U.S.C. 1681i ( a ) ( duty to reinvestigate ).

This failure to correct errors also extends to personal information maintenance. Despite my explicit request, the bureaus have not removed outdated and unverifiable identifiers such as old addresses and employer listings, which violates their duty to maintain accurate consumer data.

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: 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: LJ Ross Associates
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX RE : Request for Blocking of Fraudulent Information Pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) To Whom It May Concern : I am writing to formally request the blocking of fraudulent accounts and information appearing in my credit file that resulted from identity theft, as provided under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ).

Pursuant to this section of the law, I am providing the following required documentation : 1. FTC Identity Theft Report ID : XXXX 2. Proof of Identity : Copy of my driver 's license / state ID 3. Proof of Address : [ Utility bill, bank statement, etc. ] 4. Social Security Number : Last four digits : XXXX No police report is required under the law to exercise my rights under 1681c-2. The FTC Identity Theft Report provided meets all statutory requirements. 

The following accounts/information are the result of identity theft and must be removed from my file : - XXXX XXXX XXXX XXXX : XXXX - {$970.00} Under 15 U.S.C. 1681c-2 ( a ), you are required to remove this information within 4 business days of receiving my request and supporting documentation.

Please send written confirmation once the fraudulent information has been deleted and blocked from my file. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit 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 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/year> XXXX XXXX Date Updated : XX/XX/year> XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  Balance : {$9500.00} XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$410.00}

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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: DC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX 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 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXXXXXX XXXX XXXX XXXXXXXX balance {$200.00} XXXX CARD XXXX balance {$5200.00} XXXX XXXX XXXXXXXX CARD XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Subject : Identity Theft Dispute Request for Fraudulent Information Removal Dear [ TRANSUNION ], I am writing to formally dispute fraudulent activity on my credit report as a victim of identity theft, as protected under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following accounts or transactions were opened or reported without my authorization and must be removed immediately : Fraudulent Account ( XXXX ) /Transaction XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under 15 U.S.C. 1681c-2, I am requesting that these fraudulent accounts be permanently blocked from my credit report. Additionally, under 15 U.S.C. 1681i, I request an immediate investigation into this matter. I have attached a copy of my Identity Theft Report, as required under the FACTA, along with copies of my government-issued ID and proof of address. Furthermore, under 15 U.S.C. 1681s-2, any creditor or data furnisher reporting these fraudulent accounts must be notified that they are the result of identity theft and that they must cease all collection efforts. If this request is not addressed within 30 days, I am prepared and to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue my rights under federal law. Please send me written confirmation once the fraudulent information has been removed. You may contact me at if further information is required. Thank you for your prompt attention to this serious matter. Enclosures : Copy of Identity Theft Report ( FTC ) Copy of Government-Issued ID Proof of Address

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This morning, I was shocked to see that the unauthorized inquiries are still on my credit report, and I cant understand why. Even after refreshing my browser, nothing was removed. I am extremely frustrated and demand that the documents I provided be reviewed immediately so I can finally put this matter to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian ; The Following Inquires are a result of Identity theft and was not initiated 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 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: Experian Information Solutions Inc.
State: CA

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 XXXX XXXX XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 ) Treatm
ent of inaccurate or unverifiable information ( A ) In generallf, 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.

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