vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im filing this complaint against XXXXXXXX XXXX  due to serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and IRS Publication XXXX. The issue involves a XXXX XXXX XXXX XXXX account ( # XXXX ) that is still being falsely reported on my credit reports. 

In XX/XX/XXXX, XXXX issued a XXXX for cancellation of debt. I properly reported the canceled amount to the IRS and paid the required taxes. Despite this, as of XX/XX/XXXX, XXXX is still reporting the account to all three major credit bureaus with : A {$1200.00} charge-off balance, XXXX XXXX inaccurate XXXX late payments ( including a recent one from XX/XX/XXXX ), And an updated date of last activity that improperly re-ages the account. 

I disputed the inaccurate information with all three credit bureaus. In XX/XX/XXXX, XXXX and the credit bureaus all verified the incorrect reportingeven though I provided supporting documentation, including the XXXX. I also submitted a XXXXethod of Verification ( MOV ) request on XX/XX/XXXX ( Ref. # XXXX ), which XXXX failed to fulfill. 

Their continued reporting violates FCRA 1681s-2 ( b ) and 1681i ( a ), and it is materially harming memost urgently by jeopardizing an active mortgage pre-approval. The presence of a balance and dozens of false delinquencies on a forgiven debt is severely damaging my credit and my ability to move forward. 

I have tried to resolve this directly with XXXX XXXX Relations team. While they acknowledged receipt of my concerns, they have yet to remove the tradeline. This complaint is my final good-faith effort to resolve the matter before I pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im filing this complaint against XXXXXXXX XXXX due to serious and ongoing violations of the Fair Credit Reporting Act ( FCRA ) and IRS Publication XXXX. The issue involves a XXXX XXXX XXXX XXXX account XXXX # XXXX ) that is still being falsely reported on my credit reports. 

In XX/XX/XXXX, XXXX issued a XXXX for cancellation of debt. I properly reported the canceled amount to the IRS and paid the required taxes. Despite this, as of XX/XX/XXXX, XXXX is still reporting the account to all three major credit bureaus with : A {$1200.00} charge-off balance, XXXX XXXX inaccurate XXXX late payments ( including a recent one from XX/XX/XXXX ), And an updated date of last activity that improperly re-ages the account. 

I disputed the inaccurate information with all three credit bureaus. In XX/XX/XXXX, XXXX and the credit bureaus all verified the incorrect reportingeven though I provided supporting documentation, including the XXXX. I also submitted a Method of Verification ( MOV ) request on XX/XX/XXXX ( Ref. # XXXX ), which XXXX failed to fulfill. 

Their continued reporting violates FCRA 1681s-2 ( b ) and 1681i ( a ), and it is materially harming memost urgently by jeopardizing an active mortgage pre-approval. The presence of a balance and dozens of false delinquencies on a forgiven debt is severely damaging my credit and my ability to move forward. 

I have tried to resolve this directly with XXXX XXXX Relations team. While they acknowledged receipt of my concerns, they have yet to remove the tradeline. This complaint is my final good-faith effort to resolve the matter before I pursue legal action.

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 2025-05-29 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: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX XXXX and XXXX data breach.

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 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had zero involvement with said transactions or reasonings resulting in closing of accounts.

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 2025-05-29 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I noticed a couple weeks back on my credit report I had a Kansas address when I have never stepped foot in Kansas ever. Consequently I have experienced many inquiries that I was unaware of. I keep getting notified on XXXX XXXX of said inquiries but they do not belong to me. Credit bureaus removed fraudulent address but failed to remove fraudulent inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-29 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:
According to 15 USC 1681 ( b ) 18 USC ( 8 ) and FCRA section 605 B it illegal to report anything on my credit report without my permission. Please remove this account XXXX XXXX XXXXXXXX XXXX  XXXX XXXX off my report. Also keep in mind that you are required to delete this account no later than 4 days after yoi receive this dispute.

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 2025-05-29 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unautnorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NY

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 XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 
Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : o XXXX XXXX ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX o XXXX XXXX ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX  ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXXXXXX XXXX ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, XXXX, and XXXX between XXXX and XX/XX/XXXX, citing legal precedents ( Dalton v. Capital Associated Industries , Richardson v. Fleet Bank , Cushman v. TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data.

I requested documentation verifying the debts, dates, balances, and activity.

I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General.

I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe.

Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681i.

Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by 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 explanation
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
Summary of Events and Dispute Actions I am submitting a formal complaint regarding multiple inaccuracies reported on my credit profile by several companies, which I believe are violating the Fair Credit Reporting Act ( FCRA ). 
Dates and Accounts Involved : Between XXXX and XXXX, several accounts were reported inaccurately as charge-offs or collections, including : o XXXX XXXX ( {$20000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX XXXX ( {$16000.00} installment, {$16000.00} revolving ) opened XX/XX/XXXX, last activity XXXX o JXXXX XXXX  ( {$14000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( {$12000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX  ( {$11000.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXXXXXX XXXX  ( {$8600.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX XXXX {$460.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX ( balance {$0.00}, previously {$7500.00} ) opened XX/XX/XXXX, reported XX/XX/XXXX o XXXX XXXX ( credit limit {$8600.00} ) opened XX/XX/XXXX, reported as late in XXXX despite being current Actions Taken by Me : I submitted formal written disputes under the FCRA to XXXX, XXXX, and Experian between XXXX and XX/XX/XXXX, citing legal precedents ( Dalton v. Capital Associated Industries , Richardson v. Fleet Bank , Cushman v. TransUnion ) and demanding removal or correction of inaccurate, unverified, or outdated data.

I requested documentation verifying the debts, dates, balances, and activity.

I warned the agencies that failure to investigate or correct would lead to formal complaints filed with the CFPB, FTC, and state Attorney General.

I specifically flagged issues such as accounts marked as dispute resolved without documentation, accounts showing late payments that were never late, and balances I do not owe.

Summary of Company Actions : So far, the companies have either ignored the disputes, failed to provide verification, or responded with boilerplate letters rather than addressing the merits of each dispute individually, which I believe violates 15 U.S.C. 1681i.

Request : I am seeking proper investigation, verification, and correction of these disputed items to ensure my credit reports accurately reflect my financial history, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that I have no knowledge of. I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made. I believe I am a victim of Identity Theft. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I ask that the accounts and inquiries be investigated thoroughly and as a result removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, paid as agreed status.

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 2025-05-29 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: LA

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information being reported. These remarks have been detrimental to my life and credit health.

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 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
Security credit services has contacted me on several occasions trying to collect a debt thats not accurate. The account was started with XXXX XXXXXXXX XXXX XXXX  who sold the debt to this company.. They constantly calling me saying I owe a balance of XXXX XXXX. I disputed this charge with XXXX XXXX every month since 2024. Saying if they are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.

Company response to consumer: Closed with explanation