vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Complaint Summary : I am filing this complaint regarding the misreporting and mismanagement of a charged-off account by Synchrony Bank XXXX CareCredit ). There are XXXX major issues : XXXX. Inaccurate Credit Reporting : I have paid {$1200.00} toward this charged-off account between XX/XX/XXXX and XX/XX/XXXX in monthly payments of {$200.00}. These payments have been withdrawn from my bank account. Despite this, my XXXX  credit report still shows charged off every single month, with no reduction in balance or reflection of repayment activity. The balance is inaccurately listed as {$6700.00}, when it should be {$6500.00} based on my payment history. 

Synchrony is failing to update the payment history or status, even though they acknowledge a payment on XX/XX/XXXX. This violates the Fair Credit Reporting Act ( FCRA ), which requires all data furnishers to report accurate and complete information. Repeatedly listing CO monthly, with no balance changes, misrepresents the accounts true status and negatively affects my credit profile. 
It is currently showing XXXX XXXX. {$7700.00} written off. Past due : {$6700.00}. 
Monthly reporting : CO, CO, CO, CO, CO Even though I am actively making payments, Experian still shows : Charge-Off ( CO ) every month from XX/XX/XXXX through XX/XX/XXXX. 
No acknowledgment of my payments from XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX. 
A static balance that is inaccurate ( it should be {$6500.00}, not {$6700.00}, based on {$1200.00} I have paid ). 
However I am making payments therefore this is highly inaccurate. 


XXXX. Inconsistent Payment Withdrawals : I have authorized recurring payments to resolve this debt, and I ensure funds are available monthly. However, Synchrony has failed to pull payments consistently, skipping months without explanation. This places an unfair burden on me, despite my clear intent and effort to repay. Their inconsistent withdrawal pattern XXXX also contribute to the inaccurate reporting described above. 

Attached is a summary of my payments to illustrate the months and amounts paid, which should be reflected in both the balance and payment history. 

I will not tolerate stall tactics. I will not tolerate a failed investigation, or unjust investigation. I will not tolerate a company that will not report information correctly. It is against the law. I will get a lawyer should this not be rectified.

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 2025-07-21 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Opened : XX/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 explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries listed on my TransUnion credit report. I did not authorize or initiate any of the following inquiries, nor did I apply for credit with these companies. These inquiries are fraudulent and negatively affecting my credit profile. 

Below is a list of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> On my initial call with TransUnion, XXXX was told that these inquiries would be deleted within XXXX hours. I followed up after XXXX days when the inquiries remained on my report. At that point, I was told that no such assurance had been madedirectly contradicting their earlier statement. This has caused me unnecessary stress and delays in resolving what is clearly a case of unauthorized activity or identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), only inquiries that I have personally authorized should appear on my credit report. I am requesting a full investigation into these inquiries and that they be promptly removed 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 non-monetary relief
Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX has reported inaccurate, unauthorized, and unverifiable accounts on my credit report in direct violation of the Fair Credit Reporting Act (FCRA)  which mandates a reasonable reinvestigation of disputed information, , which requires that all information furnished be reported with maximum possible accuracy.\n\nThe listed accounts are false, incomplete, or outdated, and I have never opened nor authorized these accounts. These errors have caused harm to my credit profile and financial standing. Equifax has failed to provide the method of verification, as required under FCRA, despite my prior dispute dateXXXX XXXX XXXX XXXXn\nIf this matter is not addressed and fully corrected, I reserve the right to pursue legal action for damages under both the FCRA and the Fair Debt Collection Practices Act (FDCPA)  for deceptive and misleading reporting practices.\XXXX XXXX XXXX XXXX has reported inaccurate, unauthorized, and unverified accounts on my credit report. This constitutes a direct violation of the Fair Credit Reporting Act (FCRA), which requires a reasonable and lawful reinvestigation of disputed information, which mandates that all reported information be held to the standard of maximum possible accuracy.\n\nThese false and misleading entries have caused significant harm to my credit profile and are particularly egregious because I have never opened, authorized, or acknowledged these accountsXXXX XXXX XXXX XXXX has failed to properly investigate my dispute, has not provided the required method of verification, and continues to publish inaccurate data. This conduct is deceptive and unjust.\n\nIf immediate corrective action is not taken, I will pursue all available legal remedies under the FCRA and the Fair Debt Collection Practices Act (FDCPA), which prohibits the use of false, deceptive, or misleading representations in connection with the collection or reporting of consumer debts. i have my usps certified mail tracking number as well - VIA USPS CERTIFIED MAIL: XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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:
XXXX XXXX XXXX XXXX has reported inaccurate, unauthorized, and unverifiable accounts on my credit report in direct violation of the Fair Credit Reporting Act (FCRA)  which mandates a reasonable reinvestigation of disputed information, , which requires that all information furnished be reported with maximum possible accuracy.\n\nThe listed accounts are false, incomplete, or outdated, and I have never opened nor authorized these accounts. These errors have caused harm to my credit profile and financial standing. Equifax has failed to provide the method of verification, as required under FCRA, despite my prior dispute dateXXXX XXXX XXXX XXXXn\nIf this matter is not addressed and fully corrected, I reserve the right to pursue legal action for damages under both the FCRA and the Fair Debt Collection Practices Act (FDCPA)  for deceptive and misleading reporting practices.\XXXX XXXX XXXX XXXX has reported inaccurate, unauthorized, and unverified accounts on my credit report. This constitutes a direct violation of the Fair Credit Reporting Act (FCRA), which requires a reasonable and lawful reinvestigation of disputed information, which mandates that all reported information be held to the standard of maximum possible accuracy.\n\nThese false and misleading entries have caused significant harm to my credit profile and are particularly egregious because I have never opened, authorized, or acknowledged these accountsXXXX XXXX XXXX XXXX has failed to properly investigate my dispute, has not provided the required method of verification, and continues to publish inaccurate data. This conduct is deceptive and unjust.\n\nIf immediate corrective action is not taken, I will pursue all available legal remedies under the FCRA and the Fair Debt Collection Practices Act (FDCPA), which prohibits the use of false, deceptive, or misleading representations in connection with the collection or reporting of consumer debts. i have my usps certified mail tracking number as well - VIA USPS CERTIFIED MAIL: 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 2025-07-21 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.

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 2025-07-21 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:
To whom it may concern i recently got a copy of my credit report and noticed that i have beena victim of identity 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 non-monetary relief
Consumer complaint received 2025-07-21 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 have no record of approving these inquiries and suspect unauthorized access. Please investigate and take necessary steps. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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