vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-05 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: OH

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am writing to formally dispute the collection account listed on my credit report. I have never had any dealings with this company and did not authorize any such account. Under 15 U.S.C. 1681g and 1681i of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a detailed method of verification and complete deletion of this account within 15 days. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX- {$220.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$15000.00} XXXX XXXX XXXX XXXX XXXX  {$170.00} UNAUTHORIZED INQUIRIES : 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 2025-06-05 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: TX

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2025-06-05 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: NV

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. 

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-05 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: TX

Complaint narrative:
I am requesting the removal of a dismissed XXXX  XXXX bankruptcy from my Equifax credit report. 

This case ( Reference # XXXX XXXX and XXXX ) was dismissed on XX/XX/year>, and shows a {$0.00} balance, meaning it was not completed, no debts were discharged, and no creditor was granted relief. 

I disputed the listing directly with Equifax, but they responded that it was verifiedwithout providing any proof of how it was verified or showing that the case meets the standard of maximum possible accuracy required under FCRA Section 607 ( b ). 

Additionally, there is no creditor contact information listed, making verification impossible. The FCRA requires that Equifax not only confirm the accuracy of the data but also ensure its relevant, up to date, and not misleadingnone of which apply here. 

I am requesting that the CFPB compel Equifax to : Provide documented proof of verification from the original source ( not just their third-party vendor ), Remove the dismissed bankruptcy from my report if they can not prove it qualifies for reporting under the FCRA, Or provide a detailed explanation showing how a dismissed bankruptcy with no discharge and no outstanding balance still qualifies as relevant public record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I disputed the collection account listed, requesting proper validation under 15 U.S.C. 1692g of the FDCPA and 15 U.S.C. 1681i of the FCRA. The collector failed to provide any verifiable evidence of the debt no original contract, account history, or itemized billing. 
Despite this, the collection continues to be reported, harming my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I believe this late payment report is due to a technical error in the reporting system. I maintain all receipts and have never missed a payment on this account. Kindly investigate and remove this inaccuracy.

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 2025-06-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
What Happened I am submitting this complaint because I have identified repeated and unresolved inaccuracies in how two accounts from XXXX XXXX XXXX XXXX have been reported to the three major credit bureausTransUnion, Experian, and Equifax. 

The first account opened on XX/XX/XXXXXXXX  with a charge-off balance of {$17000.00}. 

The second account opened on XX/XX/XXXXXXXX  with a charge-off balance of {$25000.00}. 

These accounts appear on all three credit bureau reports but are not being reported with maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ). 

What Was Done This is my third formal attempt to have these items corrected or removed. I submitted disputes directly to each bureau and XXXX XXXX, citing FCRA violations, but the incorrect and inconsistent reporting remains. 

I sent updated dispute letters to : TransUnion ( XXXX. XXXX XXXX, XXXX, PA XXXX ) Experian ( XXXX. XXXX XXXX, XXXX, TX XXXX ) Equifax ( XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX ) XXXX XXXX ( XXXX. XXXX XXXX, XXXX, VA XXXX Each letter cited violations of : 15 USC 1681e ( b ) Failure to maintain maximum possible accuracy 15 USC 1681s-2 Furnishers duty to report accurate data 15 USC 1681i ( 5 ) Credit bureau obligation to delete or correct inaccurate items after reinvestigation What I Am Asking I am requesting that the Consumer Financial Protection Bureau require the credit bureaus to : Remove the two XXXX XXXX XXXX XXXX charge-off accounts due to ongoing reporting violations and unresolved consumer disputes Remove Remarks Remarks such as " Consumer disputes after resolution '' are still present, despite the accounts containing verifiable reporting errors. This implies the bureaus closed investigations without correcting the information. 

I am including copies of the three dispute letters I sent, one to each credit bureau. I request your assistance in ensuring these violations of federal credit reporting laws are resolved.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
What Happened I am submitting this complaint because I have identified repeated and unresolved inaccuracies in how two accounts from XXXX XXXX XXXX XXXX have been reported to the three major credit bureausTransUnion, Experian, and Equifax. 

The first account opened on XX/XX/XXXXXXXX  with a charge-off balance of {$17000.00}. 

The second account opened on XX/XX/XXXXXXXX  with a charge-off balance of {$25000.00}. 

These accounts appear on all three credit bureau reports but are not being reported with maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ). 

What Was Done This is my third formal attempt to have these items corrected or removed. I submitted disputes directly to each bureau and XXXX XXXX, citing FCRA violations, but the incorrect and inconsistent reporting remains. 

I sent updated dispute letters to : TransUnion ( XXXX. XXXX XXXX, XXXX, PA XXXX ) Experian ( XXXX. XXXX XXXX, XXXX, TX XXXX ) Equifax ( XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX ) XXXX XXXX ( XXXX. XXXX XXXX, XXXX, VA XXXX Each letter cited violations of : 15 USC 1681e ( b ) Failure to maintain maximum possible accuracy 15 USC 1681s-2 Furnishers duty to report accurate data 15 USC 1681i ( 5 ) Credit bureau obligation to delete or correct inaccurate items after reinvestigation What I Am Asking I am requesting that the Consumer Financial Protection Bureau require the credit bureaus to : Remove the two XXXX XXXX XXXX XXXX charge-off accounts due to ongoing reporting violations and unresolved consumer disputes Remove Remarks Remarks such as " Consumer disputes after resolution '' are still present, despite the accounts containing verifiable reporting errors. This implies the bureaus closed investigations without correcting the information. 

I am including copies of the three dispute letters I sent, one to each credit bureau. I request your assistance in ensuring these violations of federal credit reporting laws are resolved.

Thank you for your attention to this matter.

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 2025-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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 2025-06-05 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: TX

Complaint narrative:
The collection account listed appears to be a result of a mixed or inaccurate file. I do not recognize this debt, nor have I received any communications about it. This may constitute a violation of 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy.

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 2025-06-05 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-05 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: TX

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 non-monetary relief
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
My mortgage is listed as XXXX  days delinquent. I have provided bank statements and email confirmation for payments. 
XX/XX/XXXX payment was submitted on XX/XX/XXXX. XXXX payment was submitted on XX/XX/XXXX. XXXX payment was submitted XX/XX/XXXX and XXXX was submitted XX/XX/XXXX. 

I have had my mortgage for XXXX years and never had one late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
My mortgage is listed as XXXX  days delinquent. I have provided bank statements and email confirmation for payments. 
XX/XX/XXXX payment was submitted on XX/XX/XXXX. XXXX payment was submitted on XX/XX/XXXX. XXXX payment was submitted XX/XX/XXXX and XXXX was submitted XX/XX/XXXX. 

I have had my mortgage for XXXX years and never had one late payment.

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 2025-06-05 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation