vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$550.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$2600.00} Inquiries XXXX  Date : XX/XX/XXXX Positive Accounts No positive accounts listed for TransUnion. 

Late Payment Accounts XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you XXXX have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-17 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding XXXX repeated failure to correct inaccurate and outdated personal information on my credit report. This is my fourth formal dispute, yet the information listed below remains unverified and has not been removed, despite the fact that the other XXXX major credit bureaus have already corrected or deleted it. I am both frustrated and concerned about why these issues persist. 

The items I am requesting for permanent deletion are : Name / Also Known As : XXXX XXXX ( incorrect spelling and outdated variation ) Previous Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XX/XX/year> ) Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and no longer relevant ) The continued inclusion of this outdated information is problematic for several reasons : Inconsistent Compliance : The other credit reporting agencies have already removed this information after investigation. XXXX refusal to do so shows inconsistency in complying with my FCRA rights. 

Negative Impact on Credit : Outdated addresses, former employers, and misspelled names can confuse creditors and XXXX create the appearance of instability or increased risk in my credit profile. 

Ignored Prior Disputes : Despite my previous XXXX disputes, these items remain. I request that Experian review the full dispute history and explain why prior investigations did not result in the required corrections.

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 2025-11-17 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: FL

Complaint narrative:
I am requesting that Experian reinvestigate the following charged-off accounts, inquiries, and late payments. Some of the accounts listed appear unverifiable, and I am requesting that they be reviewed for accuracy. 

CHARGED OFF XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$640.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$2100.00} XXXX CARD, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$2900.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1600.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$560.00} Please verify : Balance amounts Charge-off dates Account ownership and status If any of these can not be verified, I request they be removed from my report. 

INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Please verify the XXXX for these inquiries. If no documentation can be provided showing that I authorized these inquiries, they should be removed. 

LATE PAYMENTS DEPT OF XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX Please verify the late payment history for these accounts. If the furnisher can not confirm the dates and amounts, I request that the late payments be removed from my 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
XXXX Writing because the XXXX XXXX loan accounts on my credit report is being reported as a charge-off every single month for an extended period of time- especially on Equifax. Thats not how charge-offs are supposed to work. 

A charge-off is a one- time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading and harmful. It makes the situation look worse than it actually is and drags down my credit unfairly. 

This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesnt follow what the CFPB XXXX is fair and accurate credit reporting. 

Because of this, XXXX asking that these XXXX XXXX loan accounts be removed completely from my credit report. Please investigate it and delete it if it cant be corrected immediately

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 2025-11-17 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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 2025-11-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$26000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you XXXX have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am contacting you to dispute certain items on my Experian credit report. Below are the details of the accounts in question : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} Issue : This account appears to be incorrectly reported. It does not reflect accurate payment history and should be reviewed for discrepancies. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : This account was paid off but continues to be reported with a balance. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The balance on this account should reflect as XXXX, but it has been incorrectly charged off. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$22.00} Issue : This account is inaccurately listed with a balance when it should be reported as paid. 

Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Issue : This inquiry was made without my consent, and I request it be removed from my report. 

Late Payments : XXXX XXXX Account Number : XXXX Issue : A late payment is reported incorrectly. Payment was submitted timely, and the record should reflect that. 

XXXX XXXX Account Number : XXXX Issue : This account should not reflect a late payment, as all payments were made as scheduled. 

XXXX Account XXXX : XXXX Issue : The reported late payment is an error. Payment was made in full within the due time frame.

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 2025-11-17 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-17 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: TN

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I requested validation and have not received proper proof. 
Please investigate and remove this account if it can not be verified. 

This keeps you protected and forces them to prove everything.

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 2025-11-17 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:
I am writing to dispute several items on my credit report, which I believe to be inaccurate or incomplete. Please find the details of the accounts in dispute separated by bureau as requested. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$230.00} Inquiries : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXX XXXX  Account Number : 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 explanation
Consumer complaint received 2025-11-17 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 submitting a dispute regarding inaccurate and incomplete information on my credit report. Below are the accounts that I am disputing with the respective credit bureaus : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1100.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I am writing to dispute certain items on my Experian credit report, which I believe contain inaccuracies. Below is a list of the disputed accounts : [ Charged Off Accounts ] XXXX  XXXX, XXXX, XX/XX/XXXX, {$570.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$16.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$5500.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$440.00} XXXX, XXXX, XX/XX/XXXX, {$370.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$65.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1200.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2500.00} [ Inquiries ] XXXX XXXX XXXX, XX/XX/XXXX [ Late Payments ] 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 2025-11-17 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LPI, INC.
State: IN

Complaint narrative:
Company calls all the time, set up payments without consent. Charges fees for payments they did get paid. Just does whatever they want and doesn't follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. 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 in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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